| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORETTA HO SHERBLOM INS AGENCY INC3 | 199 PARK LANE CONCORD, MA 01742 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $69K | $10K | $79K | 2.63% |
| LORETTA HO SHERBLOM INS AGENCY INC3 | 199 PARK LANE CONCORD, MA 01742 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $19K | $2K | $21K | 3.51% |
| LORETTA HO SHERBLOM INS AGENCY INC3 | 199 PARK LANE CONCORD, MA 01742 | SYMETRA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 7.24% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST 5TH FL WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.00% |
| LORETTA HO SHERBLOM INS AGENCY INC3 | 199 PARK LANE CONCORD, MA 01742 | SYMETRA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.39% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST 5TH FL WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| LORETTA HO SHERBLOM INS AGENCY INC3 | 199 PARK LANE CONCORD, MA 01742 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.53% |
| LORETTA HO SHERBLOM INS AGENCY INC3 | 199 PARK LANE CONCORD, MA 01742 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $408 | $0 | $408 | 9.88% |
| LORETTA HO SHERBLOM INS AGENCY INC3 | 199 PARK LANE CONCORD, MA 01742 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $208 | $0 | $208 | 15.03% |
| LORETTA HO SHERBLOM INS AGENCY INC3 | 199 PARK LANE CONCORD, MA 01742 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 492 | $3.6M |
| Dental(2 contracts) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 492 | $3.6M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 494 | $25K |
| Life insurance(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 220 | $175K |
| Long-term disability(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 220 | $175K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 492 | $3.6M |
| Other(4 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 220 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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.