| 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. | $25K | — | $25K | 2.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $9K | — | $9K | 0.78% |
| 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 | 5.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.01% |
| INDIGO INSURANCE SVC3 Filed as: INDIGO INSURANCE SERVICE | 446 MAIN STREET 5TH FLOOR WORCESTER, MA 01608 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $6K | — | $6K | 7.00% |
| EAST COAST BENEFIT PLANS, INC.3 Filed as: EAST COAST BENEFIT PLANS INC | 2 COMMERCIAL STRTEET SHARON, MA 02067 | EYEMED VISION CARE | $769 | — | $769 | 8.33% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $155 | — | $155 | 1.68% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 183 | $1.1M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 221 | $102K |
| Vision | EYEMED VISION CARE | 140 | $9K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 185 | $88K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 185 | $88K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 185 | $88K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 185 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.