| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $90K | $67K | $157K | 3.56% |
| LONGFELLOW FINANCIAL LLC3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $19K | — | $19K | 0.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $12 | $14K | 3.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 101 LARKSPUR LANDING CIRCLE SUITE 120 LARKSPUR, CA 94939 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.22% |
| LONGFELLOW FINANCIAL LLC3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $41 | $4K | 1.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | SUN LIFE ASSURANCE COMPANY OF CANADA | $45K | — | $45K | 13.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 BLOOMINGTON, MN 55431 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $41 | $13K | 4.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | VISION SERVICE PLAN | $1K | — | $1K | 3.70% |
| LONGFELLOW FINANCIAL LLC3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | VISION SERVICE PLAN | $262 | — | $262 | 0.71% |
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 | 768 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 773 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,260 | $4.4M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,252 | $622K |
| Vision | VISION SERVICE PLAN | 504 | $37K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 939 | $347K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 939 | $347K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 939 | $347K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,260 | $4.4M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 939 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,260 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.