| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TBR ASSOCIATES3 | 14 ROSS AVE MILLS, MA 02054 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $29K | — | $29K | 2.29% |
| HP PLANNING LLC3 Filed as: HP PLANNING | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $13K | — | $13K | 1.03% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVE BOSTON, MA 02199 | USAABLE LIFE | $7K | — | $7K | 22.20% |
| CRYSTAL HOLMES3 | 21 ASCENSION STREET BLACKSTONE, MA 01504 | USAABLE LIFE | — | $8 | $8 | 0.02% |
| TINA WRIGHT3 | 308 W CENTRAL ST STE D FRANKLIN, MA 02038 | VISION SERVICE PLAN | $719 | — | $719 | 6.94% |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 162 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 162 | $1.3M |
| Vision | VISION SERVICE PLAN | 85 | $10K |
| Life insurance | USAABLE LIFE | 184 | $32K |
| Short-term disability | USAABLE LIFE | 184 | $32K |
| Other | USAABLE LIFE | 184 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.