| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02454 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $39K | $16K | $55K | 2.54% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 4.50% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $7K | — | $7K | 3.13% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.40% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 8.74% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.03% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.11% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $218 | $6K | 20.58% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | VISION SERVICE PLAN | $820 | — | $820 | 6.85% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | GERBER LIFE AND ACCIDENT INSURANCE COMPANY | $734 | — | $734 | 15.01% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | FEDERAL INSURANCE COMPANY | $581 | — | $581 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SENTINEL BENEFITS EIN 04-3015875 FSA ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $7K |
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 | 249 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 325 | $3.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 452 | $330K |
| Vision | VISION SERVICE PLAN | 61 | $12K |
| Life insurance(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 249 | $192K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $78K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $118K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 249 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.