| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $134K | $33K | $168K | 1.83% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 3.10% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 2.60% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY, LLC | 177 MILK STREET, 3RD FLOOR 13TH FLOOR BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 10.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 177 MILK STREET, 3RD FLOOR ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$38 | -$38 | -0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE 13TH FLOOR BOSTON, MA 02210 | METROPOLITAN LIFE INSURANCE COMPANY | -$312 | — | -$312 | -0.24% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.73% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 608 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 630 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1,590 | $9.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1,590 | $9.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,292 | $128K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,292 | $274K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 608 | $117K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 608 | $190K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1,590 | $9.2M |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,292 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,590 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.