| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORETTA HO SHERBLOM INS AGENCY INC3 Filed as: LORETTA SHERBLOM DBA LHS BENEFITS | 199 PARK LANE CONCORD, MA 01742 | BLUE CROSS BLUE SHIELD MASSACHUSETTS, INC | $41K | — | $41K | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON, SUITE 401 BOSTON, MA 02199 | BLUE CROSS BLUE SHIELD MASSACHUSETTS, INC | $20K | $11K | $31K | 0.70% |
| LORETTA HO SHERBLOM INS AGENCY INC3 Filed as: LORETTA SHERBLOM DBA LHS BENEFITS | 199 PARK LANE CONCORD, MA 01742 | BLUE CROSS BLUE SHEILD MASSACHUSETTS | $6K | — | $6K | 2.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | BLUE CROSS BLUE SHEILD MASSACHUSETTS | $2K | — | $2K | 0.63% |
| LORETTA HO SHERBLOM INS AGENCY INC3 Filed as: LORETTA HO SHERBLOM INS AGENCY | 199 PARK LANE CONCORD, MA 01742 | RELIANCE STANDARD | $4K | $4K | $8K | 6.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD | $2K | — | $2K | 2.16% |
| LORETTA HO SHERBLOM INS AGENCY INC3 Filed as: LORETTA HO SHERBLOM INS AGENCY | 199 PARK LANE CONCORD, MA 01742 | RELIANCE STANDARD | $3K | $4K | $7K | 6.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 JUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD | $2K | — | $2K | 1.97% |
| LORETTA HO SHERBLOM INS AGENCY INC3 Filed as: LORETTA HO SHERBLOM INS AGENCY | 199 PARK LANE CONCORD, MA 01742 | RELIANCE STANDARD | $4K | $2K | $6K | 10.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD | $2K | — | $2K | 3.86% |
| LORETTA HO SHERBLOM INS AGENCY INC3 Filed as: LORETTA HO SHERBLOM INS AGENCY | 199 PARK LANE CONCORD, MA 01742 | EYEMED VISION CARE | $3K | — | $3K | 7.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD | $259 | — | $259 | 2.62% |
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 | 268 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD MASSACHUSETTS, INC | 227 | $4.4M |
| Dental | BLUE CROSS BLUE SHEILD MASSACHUSETTS | 227 | $295K |
| Vision | EYEMED VISION CARE | 241 | $40K |
| Life insurance | RELIANCE STANDARD | 268 | $110K |
| Short-term disability(2 contracts) | RELIANCE STANDARD | 174 | $124K |
| Long-term disability | RELIANCE STANDARD | 268 | $55K |
| Other | RELIANCE STANDARD | 268 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.