| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DBR GROUP3 Filed as: DBR GROUP, INC. | 959 CONCORD STREET SUITE 220 FRAMINGHAM, MA 01701 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $39K | — | $39K | 1.80% |
| DBR GROUP3 Filed as: DBR GROUP, INC. | 959 CONCORD STREET SUITE 220 FRAMINGHAM, MA 01701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | — | $33K | 10.00% |
| DBR GROUP3 Filed as: DBR GROUP, INC | 959 CONCORD ST, SUITE 220 FRAMINGHAM, MA 01701 | DELTA DENTAL OF MASSACHUSETTS | $5K | — | $5K | 3.69% |
| DBR GROUP3 Filed as: DBR GROUP, INC. | 959 CONCORD ST STE 220 FRAMINGHAM, MA 01701 | VISION SERVICE PLAN | $729 | — | $729 | 7.62% |
| PAUL DESROSIERS3 | 959 CONCORD ST SUITE 220 FRAMINGHAM, MA 01701 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $139 | — | $139 | 9.99% |
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 | 468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 160 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 331 | $2.1M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 357 | $132K |
| Vision | VISION SERVICE PLAN | 97 | $10K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 647 | $327K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 647 | $328K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 647 | $327K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 331 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 647 | — |
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.