| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD MASSACHUSETTS | $14K | — | $14K | 1.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD MASSACHUSETTS | $5K | $6K | $11K | 1.14% |
| EASTERN INSURANCE GROUP LLC3 | 233 W CENTRAL STREET NATICK, MA 01760 | BLUE CROSS BLUE SHIELD MASSACHUSETTS | $7K | — | $7K | 0.70% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $1K | — | $1K | 2.16% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP, LLC | 233 W CENTRAL STREET NATICK, MA 01760 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $842 | — | $842 | 1.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $595 | — | $595 | 0.98% |
| EASTERN INSURANCE GROUP LLC3 | 233 W CENTRAL STREET NATICK, MA 01760 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.60% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.06% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD MASSACHUSETTS | 90 | $974K |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 58 | $61K |
| Life insurance | STANDARD INSURANCE COMPANY | 160 | $7K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $81K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $68K |
| Prescription drug | BLUE CROSS BLUE SHIELD MASSACHUSETTS | 90 | $974K |
| Other | STANDARD INSURANCE COMPANY | 160 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.