| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $89K | $51K | $140K | 3.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $64 | $46K | 10.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $58 | $58 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | SYMETRA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 8.64% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES, LLC | ONE ENTERPRISE DRIVE, 3RD FLOOR QUINCY, MA 02171 | SYMETRA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.00% |
| JESSE RAMOS4 | 7331 SHELBY LANE, SUITE 26 RANCHO CUCAMONGA, CA 91739 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 11.74% |
| DANIEL NAGY4 | 3221 SOUTHWESTERN BOULEVARD SUITE 318 ORCHARD PARK, NY 14224 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $597 | $0 | $597 | 4.41% |
| LINDA E. BOWDEN4 | 1334 EAST CHANDLER BOULEVARD SUITE D-73 PHOENIX, AZ 85048 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $382 | $0 | $382 | 2.82% |
| GOLDMAN AND ASSOCIATES INSURANCE4 | 933 FALMOUTH ROAD HYANNIS, MA 02601 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $311 | $0 | $311 | 2.30% |
| GERALD W. NANNEN4 | 263 PARKER STREET EAST LONGMEADOW, MA 01028 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $99 | $0 | $99 | 0.73% |
| DAVID J MCCLELLAN4 Filed as: DAVID E. PAPERNO | 78347 GRAPE ARBOR AVENUE PALM DESERT, CA 92211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $78 | $0 | $78 | 0.58% |
| MJ INSURANCE4 Filed as: CHRISTA TOWSLEE AND VARIOUS AGENTS | 20000 SUMMERCREST DRIVE CASTRO VALLEY, CA 94552 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $58 | $0 | $58 | 0.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | BLUE CROSS OF CALIFORNIA | $29K | $0 | $29K | 349.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $855 | $0 | $855 | 10.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $126 | $126 | 1.56% |
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 | 491 | 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) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,013 | $4.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,230 | $459K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,230 | $451K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 491 | $225K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 491 | $225K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 491 | $225K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,013 | $4.6M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 491 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,230 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.