| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORETTA HO SHERBLOM INS AGENCY INC3 | 199 PARK LANE CONCORD, MA 01742 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $6K | $0 | $6K | 0.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 152 CONANT STREET 2ND FLOOR BEVERLY, MA 01915 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $1K | $0 | $1K | 0.05% |
| LORETTA HO SHERBLOM INS AGENCY INC3 | 199 PARK LANE CONCORD, MA 01742 | KAISER FOUNDATION HEALTH PLAN INC | $25K | $0 | $25K | 3.75% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 152 CONANT STREET 2ND FLOOR BEVERLY, MA 01915 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $0 | $8K | 1.24% |
| LORETTA HO SHERBLOM INS AGENCY INC3 | 199 PARK LANE CONCORD, MA 01742 | DENTAL SERVICE OF MASSACHUSETTS, INC. BLUE CROSS/BLUE SHIELD OF MA | $6K | $0 | $6K | 2.30% |
| DIGITAL INSURANCE LLC4 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DENTAL SERVICE OF MASSACHUSETTS, INC. BLUE CROSS/BLUE SHIELD OF MA | $5K | $0 | $5K | 1.91% |
| DIGITAL INSURANCE LLC4 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 BEVERLY, MA 01915 | DENTAL SERVICE OF MASSACHUSETTS, INC. BLUE CROSS/BLUE SHIELD OF MA | $1K | $0 | $1K | 0.52% |
| LORETTA HO SHERBLOM INS AGENCY INC3 | 199 PARK LANE CONCORD, MA 01742 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 5.63% |
| LORETTA HO SHERBLOM INS AGENCY INC3 | 199 PARK LANE CONCORD, MA 01742 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 6.12% |
| LORETTA HO SHERBLOM INS AGENCY INC3 | 199 PARK LANE CONCORD, MA 01742 | FIDELITY LIFE INSURANCE (EYEMED) | $2K | $0 | $2K | 8.78% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FIDELITY LIFE INSURANCE (EYEMED) | $432 | $0 | $432 | 2.14% |
| LORETTA HO SHERBLOM INS AGENCY INC3 | 199 PARK LANE CONCORD, MA 01742 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 12.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | KATHLEEN GREER, INC. | — | — | $0 | 0.00% |
| LORETTA HO SHERBLOM INS AGENCY INC3 | 199 PARK LANE CONCORD, MA 01742 | FEDERAL INSURANCE COMPANY | $0 | $0 | $0 | — |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 226 | $3.8M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. BLUE CROSS/BLUE SHIELD OF MA | 756 | $281K |
| Vision | FIDELITY LIFE INSURANCE (EYEMED) | 381 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 259 | $62K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 259 | $86K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 226 | $3.2M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 259 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 756 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.