| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02454 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $38K | $10K | $48K | 2.27% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 4.50% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $7K | — | $7K | 3.08% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.37% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.03% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 11.88% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.06% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $17 | $5K | 20.13% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | VISION SERVICE PLAN | $992 | — | $992 | 5.91% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | GERBER LIFE AND ACCIDENT INSURANCE COMPANY | $735 | — | $735 | 15.00% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | FEDERAL INSURANCE COMPANY | $581 | — | $581 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SENTINEL BENEFITS EIN 04-3015875 FSA ADMINISTRATION | Claims processing; Contract Administrator Service code 12 | — | $8K |
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 | 238 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 238 | 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 | 324 | $3.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 458 | $304K |
| Vision | VISION SERVICE PLAN | 83 | $17K |
| Life insurance(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 238 | $160K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $78K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $119K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 238 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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."
No prospect flags tripped on this filing.