| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON ST 3RD FLOOR BOSTON, MA 02116 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $62K | — | $62K | 3.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON ST 3RD FLOOR BOSTON, MA 02116 | DELTA DENTAL OF MASSACHUSETTS | $11K | — | $11K | 7.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON ST 3RD FLOOR BOSTON, MA 02116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $927 | $4K | 12.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON ST 3RD FLOOR BOSTON, MA 02116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $889 | $4K | 12.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON ST 3RD FLOOR BOSTON, MA 02116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $802 | $4K | 12.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | — | $16K | 66.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON ST 3RD FLOOR BOSTON, MA 02116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $331 | $90 | $421 | 12.72% |
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 | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 123 | $1.7M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 350 | $156K |
| Vision | VISION SERVICE PLAN | 134 | $25K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $34K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $32K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 123 | $1.7M |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 148 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.