| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 500 BOYLSTON STREET BOSTON, MA 02116 | LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.93% |
| NORTHERN BENEFITS OF MASSACHUSETTS3 | 5 MOUNT ROYAL AVENUE MARLBORO, MA 01752 | LIFE INSURANCE COMPANY OF AMERICA | $837 | — | $837 | 1.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET BOSTON, MA 02116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.95% |
| NORTHERN BENEFITS OF MASSACHUSETTS3 | 5 MOUNT ROYAL AVENUE SUITE 210 MARLBORO, MA 01752 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $206 | — | $206 | 1.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET BOSTON, MA 02116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $260 | — | $260 | 9.99% |
| NORTHERN BENEFITS OF MASSACHUSETTS3 Filed as: NORTHERN BENEFITS OF MASSACHUSETTS, | 5 MOUNT ROYAL AVENUE MARLBORO, MA 01752 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $43 | — | $43 | 1.65% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 184 | $12K |
| Short-term disability | LIFE INSURANCE COMPANY OF AMERICA | 184 | $50K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 184 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.