| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $73K | $0 | $73K | 2.14% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $9K | $0 | $9K | 0.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.41% |
| IMA, INC.3 | ONE GATEWAY CENTER SUITE 551 NEWTON, MA 02458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $584 | $0 | $584 | 1.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | VSP | $1K | $0 | $1K | 4.16% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | VSP | $301 | $0 | $301 | 0.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE ST STE 200 LEXINGTON, KY 40507 | SYMETRA LIFE INSURANCE COMPANY | $4K | $946 | $5K | 16.81% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR STE 551 NEWTON, MA 02458 | SYMETRA LIFE INSURANCE COMPANY | $2K | $670 | $3K | 8.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.09% |
| IMA, INC.3 | ONE GATEWAY CENTER SUITE 551 NEWTON, MA 02458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $295 | $0 | $295 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.33% |
| IMA, INC.3 | ONE GATEWAY CENTER SUITE 551 NEWTON, MA 02458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $226 | $0 | $226 | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.01% |
| IMA, INC.3 | ONE GATEWAY CENTER SUITE 551 NEWTON, MA 02458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $260 | $0 | $260 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.93% |
| IMA, INC.3 | ONE GATEWAY CENTER SUITE 551 NEWTON, MA 02458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $214 | $0 | $214 | 1.07% |
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 | 317 | 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) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 455 | $3.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 455 | $3.4M |
| Vision | VSP | 195 | $35K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 317 | $49K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 317 | $53K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 317 | $41K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 317 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.