| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 410 UNIVERSITY AVENUE WESTWOOD, MA 02998 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $45K | $8K | $53K | 2.75% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVCIES, INC. | 100 FRONT STREET, 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $11K | $11K | 7.47% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 410 UNIVERSITY AVENUE WESTWOOD, MA 02998 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 5.45% |
| BRABO BENEFITS, INC.3 | 65 CORDAGE PARK CIRCLE PLYMOUTH MEETING, MA 02360 | HARTFORD LIFE AND ACCIDENT | $239 | $0 | $239 | 0.16% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 410 UNIVERSITY AVENUE WESTWOOD, MA 02998 | VISION SERVICE PLAN | $931 | $0 | $931 | 7.01% |
| BRABO BENEFITS, INC.3 | 65 CORDAGE PARK CIRCLE PLYMOUTH MEETING, MA 02360 | VISION SERVICE PLAN | -$3 | $0 | -$3 | -0.02% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 228 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 228 | $1.9M |
| Vision | VISION SERVICE PLAN | 84 | $13K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 137 | $150K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 137 | $150K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 137 | $150K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 228 | $1.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 137 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.