| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BOSTONIAN GROUP | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $381K | $120K | $501K | 3.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY IN | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | DELTA DENTAL OF MASSACHUSETTS | $8K | $0 | $8K | 0.94% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | DELTA DENTAL OF MASSACHUSETTS | $37 | $0 | $37 | 0.00% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | P.O. BOX 1237, 90 KREIGER LANE GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $90K | $11K | $101K | 20.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54K | $5K | $60K | 12.10% |
| BENEFITS ASSOCIATES INC.3 | 1008 W. 8TH AVE. SUITE 300 KING OF PRUSSIA, PA 19406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 0.88% |
| JAMES W. MOORADIAN3 Filed as: JAMES D. BLUE II | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $9K | 4.25% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | P.O. BOX 1237, 90 KREIGER LANE GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | $4K | $48K | 36.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $457 | $24K | 18.11% |
| BENEFITS ASSOCIATES INC.3 | 1008 W. 8TH AVE. SUITE 300 KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $371 | $0 | $371 | 0.28% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE, BENEFIT TECHNOLOG | DIV. 9 - 1008 W. 8TH AVE. SUITE 300 KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2 | $2 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BOSTONIAN GROUP | 500 BOYLSTON STREET FLOOR 3 BOSTON, MA 02116 | VISION SERVICE PLAN | $5K | $0 | $5K | 4.08% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET FLOOR 3 BOSTON, MA 02216 | VISION SERVICE PLAN | $5K | $27 | $5K | 3.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 3.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | $80 | $2K | 10.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF AGENCIES, INC. | 7225 NORTHLAND DRIVE N., SUITE 300 MINNEAPOLIS, MN 554281516 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $31 | $31 | 0.15% |
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 | 2,163 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MASSACHUSETTS | 2,408 | $876K |
| Vision | VISION SERVICE PLAN | 822 | $130K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 2,163 | $619K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,247 | $218K |
| Other(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 2,163 | $773K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,408 | — |
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.