| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC. | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $26K | — | $26K | 1.13% |
| WEST RIDGE INSURANCE AGENCY, INC. Filed as: WEST RIDGE INSURANCE AGENCY INC. | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $24K | — | $24K | 1.02% |
| WEST RIDGE INSURANCE AGENCY, INC. Filed as: WEST RIDGE INSURANCE AGENCY INC. | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $4K | — | $4K | 2.11% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC. | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $4K | — | $4K | 1.90% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF MASSACHUSETTS | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.61% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.28% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF MASSACHUSETTS LLC. | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 17.27% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC. | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $493 | — | $493 | 5.01% |
| WEST RIDGE INSURANCE AGENCY, INC. Filed as: WEST RIDGE INSURANCE AGENCY INC. | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $491 | — | $491 | 4.99% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $487 | — | $487 | 25.44% |
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 | 336 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 371 | $2.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 334 | $187K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 122 | $10K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $121K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 137 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.