| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACK W ABEL3 Filed as: JACK W. ABEL | 6500 ROCK SPRING DR. SUITE 410 BETHESDA, MD 20817 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $39K | $0 | $39K | 3.05% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVE BOSTON, MA 02199 | USABLE LIFE | $11K | $0 | $11K | 22.92% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | USABLE LIFE | $0 | $25 | $25 | 0.05% |
| JACK ABEL3 | 6500 ROCK SPRING DR SUITE 410 BETHESDA, MD 20817 | VISION SERVICE PLAN | $746 | $0 | $746 | 7.29% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DR SUITE 102 NORWELL, MA 02061 | VISION SERVICE PLAN | $3 | $0 | $3 | 0.03% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 195 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 195 | $1.3M |
| Vision | VISION SERVICE PLAN | 97 | $10K |
| Life insurance | USABLE LIFE | 208 | $50K |
| Short-term disability | USABLE LIFE | 208 | $50K |
| Long-term disability | USABLE LIFE | 208 | $50K |
| Other | USABLE LIFE | 208 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.