| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | NORTHEAST 10 CITY SQUARE BOSTON, MA 02129 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $24K | — | $24K | 1.31% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $17K | — | $17K | 0.92% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR, SUITE 200 CAMDEN, NJ 08103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $5K | 7.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $478 | $3K | 4.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC-NEW | ENGLAND 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.42% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $783 | — | $783 | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $2K | — | $2K | 18.15% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $296 | — | $296 | 3.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $589 | $49 | $638 | 9.44% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR, SUITE 200 CAMDEN, NJ 08103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $425 | $142 | $567 | 8.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $231 | $13 | $244 | 10.37% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18 | — | $18 | 0.76% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 249 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 107 | $62K |
| Vision | VISION SERVICE PLAN | 73 | $8K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $73K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $66K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 249 | $1.8M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.