| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | UNKNOWN HYANNIS, MA 02601 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $31K | — | $31K | 2.06% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | UNKNOWN HYANNIS, MA 02601 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $10K | $5K | $15K | 0.98% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES, LLC | 100 FRONT STREET, 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $9K | $9K | 6.52% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 410 UNIVERSITY AVENUE WESTWOOD, MA 02090 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 5.48% |
| BRABO BENEFITS, INC.3 | 65 CORDAGE PARK CIR PLYMOUTH, MA 02360 | HARTFORD LIFE AND ACCIDENT | $4 | $0 | $4 | 0.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 410 UNIVERSITY AVENUE WESTOWOOD, MA 02998 | VISION SERVICE PLAN | $882 | — | $882 | 7.40% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 395 | $1.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 395 | $1.5M |
| Vision | VISION SERVICE PLAN | 81 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 126 | $146K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 126 | $146K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 126 | $146K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 395 | $1.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 126 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.