| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP, LLC | 100 QUANNAPOWITT PKWY STE 104 WAKEFIELD, MA 018801300 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $31K | — | $31K | 2.73% |
| JOSEPH PARKER DAVIES3 | 200 CLARENDON ST ST 19 BOSTON, MA 02116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.25% |
| JOSEPH PARKER DAVIES3 | 200 CLARENDON ST STE 19 BOSTON, MA 02116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.45% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PKWY STE 104 WAKEFIELD, MA 018801300 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $1K | — | $1K | 10.00% |
| JOSEPH PARKER DAVIES3 | 200 CLARENDON ST STE 10 BOSTON, MA 02116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $718 | — | $718 | 13.00% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 140 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 140 | $1.1M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 127 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $6K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $17K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $17K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.