| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS, SUITE 206 BURLINGTON, MA 01803 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $7K | — | $7K | 3.18% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS, SUITE 206 BURLINGTON, MA 01803 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.69% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $622 | $0 | $622 | 0.95% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS, SUITE 206 BURLINGTON, MA 01803 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $6K | — | $6K | 12.41% |
| EASTERN BENEFITS GROUP3 | BENEFITS DEPT - READING PO BOX 4000 WAKEFIELD, MA 01880 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $502 | — | $502 | 1.07% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS, SUITE 206 BURLINGTON, MA 01803 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.36% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $531 | $0 | $531 | 1.53% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS, SUITE 206 BURLINGTON, MA 01803 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.29% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $661 | $0 | $661 | 2.31% |
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 | 680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 785 | $215K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 300 | $47K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 680 | $35K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 680 | $66K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 12 | $29K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 680 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 785 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.