| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $204K | $149K | $353K | 2.06% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | USABLE LIFE | $98K | — | $98K | 20.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | USABLE LIFE | $59K | — | $59K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | VISION SERVICE PLAN | $3K | — | $3K | 2.16% |
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 | 2,134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 1,405 | $17.1M |
| Vision | VISION SERVICE PLAN | 1,021 | $160K |
| Life insurance | USABLE LIFE | 2,134 | $491K |
| Long-term disability | USABLE LIFE | 1,101 | $296K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 1,405 | $17.1M |
| Other | USABLE LIFE | 2,134 | $491K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,134 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.