| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS PROVIDERS | 799 CAMBRIDGE STREET CAMBRIDGE, MA 02141 | ALLWAYS HEALTH PARTNERS | $31K | — | $31K | 2.97% |
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS PROVIDERS INC | 799 CAMBRIDGE STREET CAMBRIDGE, MA 02141 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $4K | — | $4K | 5.16% |
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS. PROVIDERS INC. | 799 CAMBRIDGE STREET CAMBRIDGE, MA 021411428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $242 | $3K | 14.17% |
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS PROVIDERS INC | 799 CAMBRIDGE STREET CAMBRIDGE, MA 02141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| COMPREHNSIVE INS PROVIDERS INC3 | 799 CAMBRIDGE STREET CAMBRIDGE, MA 02141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS PROVIDERS INC | 799 CAMBRIDGE STREET CMBRIDGE, MA 02141 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $703 | — | $703 | 13.22% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLWAYS HEALTH PARTNERS | 3 | $31K |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 147 | $77K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 110 | $5K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $13K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $24K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.