| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $108K | $29K | $137K | 2.54% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $17K | — | $17K | 1.84% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $11K | — | $11K | 2.58% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | HEALTH NEW ENGLAND | $6K | — | $6K | 2.56% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | STANDARD INSURANCE COMPANY | $4K | $5K | $9K | 6.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | BUILDING 2 SUITE 125 1250 CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $822 | $822 | 0.61% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | STANDARD INSURANCE COMPANY | $2K | $1K | $3K | 10.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | BLDG 2 SUITE 125 1250 CAPITAL OF TX HIGHWAY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $175 | $175 | 0.61% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | STANDARD INSURANCE COMPANY | $3K | $779 | $4K | 16.68% |
| NFP INSURANCE SERVICES INC3 | BUILDING 2 SUITE 125 1250 CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $136 | $136 | 0.59% |
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 | 904 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 904 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 723 | $6.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1,059 | $413K |
| Life insurance | STANDARD INSURANCE COMPANY | 904 | $29K |
| Short-term disability | STANDARD INSURANCE COMPANY | 789 | $135K |
| Long-term disability | STANDARD INSURANCE COMPANY | 65 | $23K |
| Other | STANDARD INSURANCE COMPANY | 904 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,059 | — |
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."
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.