| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP, INC. | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $97K | — | $97K | 1.38% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC. | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $6K | $7K | $13K | 0.18% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP, INC. | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $13K | — | $13K | 2.27% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC. | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $924 | — | $924 | 0.16% |
| INDIGO INSURANCE SERVICES3 | 401 PARK DRIVE BOSTON, MA 02215 | USABLE LIFE | $31K | — | $31K | 24.29% |
| INDIGO INSURANCE SERVICES3 | 401 PARK DRIVE BOSTON, MA 02215 | USABLE LIFE | $22K | — | $22K | 20.00% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP, INC. | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $1K | — | $1K | 1.44% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC. | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $1K | — | $1K | 1.35% |
| INDIGO INSURANCE SERVICES3 | 401 PARK DRIVE BOSTON, MA 02215 | USABLE LIFE | $13K | — | $13K | 20.00% |
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 | 901 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 930 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,170 | $7.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,058 | $572K |
| Vision | VISION SERVICE PLAN | 645 | $91K |
| Life insurance | USABLE LIFE | 515 | $66K |
| Short-term disability | USABLE LIFE | 514 | $126K |
| Long-term disability | USABLE LIFE | 514 | $108K |
| Other | USABLE LIFE | 515 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,170 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.