| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COSTELLO BENEFITS GROUP3 Filed as: COSTELLO BENEFITS GROUP INC. | 800 WEST CUMMINGS PARK, SUITE 4000 WOBURN, MA 01801 | BLUECROSS BLUESHIELD OF MASSACHUSETTS | $40K | $10K | $51K | 1.77% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | UNKNOWN NEEDHAM, MA 02494 | BLUECROSS BLUESHIELD OF MASSACHUSETTS | $46K | $0 | $46K | 1.59% |
| COSTELLO BENEFITS GROUP3 Filed as: COSTELLO BENEFITS GROUP INC. | 800 WEST CUMMINGS PARK, SUITE 4000 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $2K | $15K | 5.10% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | $10K | $43K | 19.79% |
| COSTELLO BENEFITS GROUP3 Filed as: COSTELLO BENEFITS GROUP INC. | 800 WEST CUMMINGS PARK, SUITE 4000 WOBURN, MA 01801 | VISION SERVICE PLAN | $835 | $2K | $3K | 12.45% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 800 WEST CUMMINGS PARK, SUITE 4000 WOBURN, MA 01801 | VISION SERVICE PLAN | $364 | $0 | $364 | 1.52% |
| CBG3 Filed as: CBG BENEFITS | 80 WEST CUMMINGS PARK, SUITE 4000 WOBURN, MA 01801 | ZURICH AMERICAN INSURANCE COMPANY | $150 | $0 | $150 | 15.00% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MASSACHUSETTS | 351 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 305 | $298K |
| Vision | VISION SERVICE PLAN | 117 | $24K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 193 | $215K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 193 | $215K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 193 | $215K |
| Prescription drug | BLUECROSS BLUESHIELD OF MASSACHUSETTS | 351 | $2.9M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 193 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
No prospect flags tripped on this filing.