| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOSTON COMMONWEALTH ADVANTAGE LLC3 Filed as: BOSTON COMMONWEALTH ADVANTAGE, LLC | 11 ELKINS STREET SUITE 450 BOSTON, MA 02127 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $43K | $8K | $52K | 1.83% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $3K | $2K | $4K | 0.15% |
| BOSTON COMMONWEALTH ADVANTAGE LLC3 | 11 ELKINS STREET BOSTON, MA 02127 | METROPLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 3.47% |
| DESIGNED BENEFITS INSURANCE3 Filed as: DESIGNED BENEFITS GROUP | ONE CENTRAL STREET SUITE 205 MIDDLETON, MA 01949 | METROPLITAN LIFE INSURANCE COMPANY | $5K | $15 | $5K | 0.82% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | METROPLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.38% |
| INDIGO INSURANCE SERVICES3 | 401 PARK DRIVE BOSTON, MA 02215 | USABLE LIFE | $64K | — | $64K | 20.00% |
| ADAM DAME3 | 401 PARK DRIVE BOSTON, MA 02215 | USABLE LIFE | — | $5K | $5K | 1.51% |
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 | 742 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 549 | $2.8M |
| Dental | METROPLITAN LIFE INSURANCE COMPANY | 1,318 | $631K |
| Vision | METROPLITAN LIFE INSURANCE COMPANY | 1,318 | $631K |
| Life insurance(2 contracts, 2 carriers) | METROPLITAN LIFE INSURANCE COMPANY | 1,318 | $952K |
| Short-term disability | USABLE LIFE | 742 | $321K |
| Long-term disability | USABLE LIFE | 742 | $321K |
| Other(2 contracts, 2 carriers) | METROPLITAN LIFE INSURANCE COMPANY | 1,318 | $952K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,318 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.