| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS. AGENCY | ONE GRIFFIN BROOK DRIVE 2ND FLOOR METHUEN, MA 01844 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $34K | $11K | $45K | 2.63% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS. AGENCY | ONE GRIFFIN BROOK DRIVE, 2ND FLOOR METHUEN, MA 01844 | DELTA DENTAL SERVICE OF MASSACHUSETTS DBA DELTA DENTAL OF MA | $5K | $1K | $6K | 5.08% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | CONTINENTAL AMERICAN INSURANCE COMPANY | $518 | — | $518 | 1.58% |
| TMBG INC3 | 34 HARWOOD ROAD NATICK, MA 01760 | CONTINENTAL AMERICAN INSURANCE COMPANY | $374 | — | $374 | 1.14% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 5 MOUNT ROYAL AVENUE, SUITE 250 MARLBOROUGH, MA 01752 | CONTINENTAL AMERICAN INSURANCE COMPANY | $243 | $0 | $243 | 0.74% |
| JOSHUA E MARMOR3 | 34 HARWOOD ROAD NATICK, MA 01760 | CONTINENTAL AMERICAN INSURANCE COMPANY | $206 | $0 | $206 | 0.63% |
| BENEDIKT N MASON3 Filed as: BENEDIKT NICHOLAS MASON | 17 LITTLE BEAR HILL ROAD WESTFORD, MA 01886 | CONTINENTAL AMERICAN INSURANCE COMPANY | $193 | $0 | $193 | 0.59% |
| TMBG INC | 34 HARWOOD ROAD NATICK, MA 01760 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$40 | $0 | -$40 | -0.12% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INSURANCE | UNKNOWN METHUEN, MA 01844 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| INDIGO INSURANCE SERVICES3 | UNKNOWN BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 7.00% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INS AGENCY | 5 MOUNT ROYAL AVENUE, SUITE 250 MARLBOROUGH, MA 01752 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS. AGENCY | ONE GRIFFIN BROOK DRIVE, 2ND FLOOR METHUEN, MA 01844 | VISION SERVICE PLAN | $700 | $0 | $700 | 7.09% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | VISION SERVICE PLAN | $313 | — | $313 | 3.17% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 189 | $1.7M |
| Dental | DELTA DENTAL SERVICE OF MASSACHUSETTS DBA DELTA DENTAL OF MA | 211 | $115K |
| Vision | VISION SERVICE PLAN | 82 | $10K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 153 | $45K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 29 | $33K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 153 | $45K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 189 | $1.7M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 153 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.