| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EAST COAST BENEFIT PLANS, INC.3 | 2 COMMERCIAL ST., SUITE 101 SHARON, MA 02067 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $33K | — | $33K | 2.82% |
| EMPLOYERS ASSOCIATED INS. AGENCY3 Filed as: EMPLOYERS ASSOCIATED INS. AGCY | 54 THIRD AVENUE PO BOX 4070 BURLINGTON, MA 01803 | DELTA DENTAL OF MASSACHUSETTS | $6K | — | $6K | 5.46% |
| EAST COAST BENEFIT PLANS, INC.3 | 2 COMMERCIAL ST., SUITE 101 SHARON, MA 02067 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.02% |
| INDIGO INSURANCE SVC3 | 5TH FLOOR 446 MAIN STREET WORCESTER, MA 01608 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.00% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS RD. BLDG C SOUTH PORTLAND, ME 04106 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.40% |
| EAST COAST BENEFIT PLANS, INC.3 | 2 COMMERCIAL ST., SUITE 101 SHARON, MA 02067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $718 | — | $718 | 1.67% |
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 | 180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 175 | $1.2M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 191 | $103K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 180 | $106K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 180 | $106K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 180 | $106K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 180 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.