| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $57K | — | $57K | 1.44% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | METROPLITAN LIFE INSURANCE COMPANY | $40K | — | $40K | 4.61% |
| DESIGNED BENEFITS INSURANCE3 Filed as: DESIGNED BENEFITS GROUP | ONE CENTRAL STREET SUITE 205 MIDDLETON, MA 01949 | METROPLITAN LIFE INSURANCE COMPANY | $1 | $12 | $13 | 0.00% |
| BOSTON COMMONWEALTH ADVANTAGE LLC3 | 62 ACCORD PARK DRIVE SUITE 1 NORWELL, MA 02061 | METROPLITAN LIFE INSURANCE COMPANY | -$238 | — | -$238 | -0.03% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $32K | — | $32K | 7.48% |
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 | 973 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 973 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 769 | $3.9M |
| Dental | METROPLITAN LIFE INSURANCE COMPANY | 1,483 | $862K |
| Vision | METROPLITAN LIFE INSURANCE COMPANY | 1,483 | $862K |
| Life insurance(2 contracts, 2 carriers) | METROPLITAN LIFE INSURANCE COMPANY | 1,483 | $1.3M |
| Short-term disability | USABLE LIFE | 973 | $424K |
| Long-term disability | USABLE LIFE | 973 | $424K |
| Other(2 contracts, 2 carriers) | METROPLITAN LIFE INSURANCE COMPANY | 1,483 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,483 | — |
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.