| 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. | $58K | $66K | $125K | 1.23% |
| BENEMAX, INC.3 Filed as: BENEMAX INC | PO BOX 950 MEDFIELD, MA 02052 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $93K | $7K | $101K | 0.99% |
| BENEMAX, INC.3 Filed as: BENEMAX INC | PO BOX 950 MEDFIELD, MA 02052 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $11K | — | $11K | 1.55% |
| 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. | $6K | — | $6K | 0.77% |
| BENEMAX, INC.3 Filed as: BENEMAX INC | PO BOX 950 MEDFIELD, MA 02052 | SYMETRA LIFE INSURANCE COMPANY | $30K | — | $30K | 8.77% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST 5TH FL WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $18K | — | $18K | 5.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | SYMETRA LIFE INSURANCE COMPANY | $18K | — | $18K | 5.13% |
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 | 877 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,858 | $10.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,861 | $729K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,858 | $10.1M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 877 | $346K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 877 | $346K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 877 | $346K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,858 | $10.1M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 877 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,861 | — |
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.