| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $60K | $29K | $88K | 3.76% |
| BBS INS BROKERAGE INC3 | 2000 COMMONWEALTH AVE AUBURNDALE, MA 02486 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $11K | — | $11K | 0.46% |
| BBS INS BROKERAGE INC3 | 2000 COMMONWEALTH AE AUBURNDALE, MA 02466 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $647 | $2K | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.26% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP INC. | 233 WEST CENTRAL ST NATICK, MA 01760 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $194 | — | $194 | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 9.61% |
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL ST NATICK, MA 01760 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $268 | — | $268 | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | VISION SERVICE PLAN | $1K | — | $1K | 4.33% |
| BBS INSURANCE BROKERAGE INC3 Filed as: BBS INSURANCE BROKERAGE, INC. | 2000 COMMONWEALTH AVENUE ABURNDALE, MA 024662004 | VISION SERVICE PLAN | $154 | — | $154 | 0.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.51% |
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL ST NATICK, MA 01760 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $246 | — | $246 | 0.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | FEDERAL INSURANCE COMPANY | $1K | $275 | $2K | 18.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $236 | — | $236 | 9.27% |
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL ST NATICK, MA 01760 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18 | — | $18 | 0.71% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 271 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 510 | $253K |
| Vision | VISION SERVICE PLAN | 271 | $27K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 314 | $39K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 314 | $35K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 314 | $25K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 271 | $2.3M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 374 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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.