| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | PO BOX 416672 BOSTON, MA 02241 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $41K | — | $41K | 1.00% |
| TELAMON HUMAN CAPITAL RESOURCES3 | GROUP, LLC 30 S WEST PARK WESTWOOD, MA 02090 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $22K | $8K | $30K | 0.72% |
| TELAMON HUMAN CAPITAL RESOURCES3 | GROUP, LLC 30 S WEST PARK WESTWOOD, MA 02090 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | — | $227 | $227 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | NORTHEAST INC. 800 BOYLSTON ST STE 600 BOSTON, MA 01299 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.98% |
| TELAMON HUMAN CAPITAL RESOURCES3 Filed as: TELAMON HUMAN CAPITAL | RESOURCES GROUP LLC 30 SOUTHWEST PARK WESTWOOD, MA 02090 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.83% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE STE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $64 | $64 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | PO BOX 416672 BOSTON, MA 02241 | VISION SERVICE PLAN | $952 | — | $952 | 1.97% |
| TELAMON HUMAN CAPITAL RESOURCES3 Filed as: TELAMON HUMAN CAPITAL | RESOURCES GROUP LLC 30 SOUTHWEST PARK WESTWOOD, MA 02090 | VISION SERVICE PLAN | $879 | — | $879 | 1.82% |
| MMG AGENCY INC.3 | 1145 FOREST AVE STATEN ISLAND, NY 10310 | FEDERAL INSURANCE COMPANY | $512 | — | $512 | 15.01% |
| JLT SPECIALTY INSURANCE SERVICES3 | INC. 22 CENTURY HILL DR LATHAM, NY 12110 | FEDERAL INSURANCE COMPANY | $512 | — | $512 | 15.01% |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 188 | $4.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 188 | $4.1M |
| Vision | VISION SERVICE PLAN | 188 | $48K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 183 | $79K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 183 | $79K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 183 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.