| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | 197 FIRST AVENUE, SUITE 100 NEEDHAM, MA 02494 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $47K | $8K | $55K | 1.90% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES, LLC | 100 FRONT STREET, 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $17K | $17K | 6.21% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | 197 FIRST AVENUE, SUITE 100 NEEDHAM, MA 02494 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 5.06% |
| PFG BENEFITS, INC.3 | 117 KENDRICK STREET, SUITE 300 NEEDHAM, MA 02494 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.30% |
| BP BENEFITS, LLC3 | 160 GOULD STREET, SUITE 310 NEEDHAM, MA 02494 | ZURICH AMERICAN INSURANCE COMPANY | $150 | $200 | $350 | 35.00% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 335 | $2.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 335 | $2.9M |
| Vision | VISION SERVICE PLAN | 131 | $22K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 155 | $273K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 155 | $273K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 155 | $273K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 335 | $2.9M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 190 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.