| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COSTELLO BENEFITS GROUP3 Filed as: COSTELLO BENEFITS GROUP, INC. | 800 WEST CUMMINGS PARK, SUITE 4000 WOBURN, MA 01801 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $106K | $42K | $148K | 1.25% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $132K | $0 | $132K | 1.12% |
| COSTELLO BENEFITS GROUP3 Filed as: COSTELLO BENEFITS GROUP, INC. | 800 WEST CUMMINGS PARK, SUITE 4000 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COVERAGE | $52K | $4K | $56K | 3.86% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COVERAGE | $16K | $1K | $18K | 1.21% |
| COSTELLO BENEFITS GROUP3 Filed as: COSTELLO BENEFITS GROUP, INC. | 800 WEST CUMMINGS PARK, SUITE 4000 WOBURN, MA 01801 | EYEMED VISION CARE OF BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $12K | $0 | $12K | 12.09% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE OF BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $4K | $0 | $4K | 3.91% |
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 | 514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 539 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,503 | $11.8M |
| Dental | METROPOLITAN LIFE INSURANCE COVERAGE | 1,149 | $1.5M |
| Vision | EYEMED VISION CARE OF BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 1,169 | $96K |
| Life insurance | METROPOLITAN LIFE INSURANCE COVERAGE | 1,149 | $1.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COVERAGE | 1,149 | $1.5M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,503 | $11.8M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COVERAGE | 1,149 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,503 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.