| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK LUCIER3 | 52 PICKERING STREET NEEDHAM, MA 02192 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $24K | — | $24K | 2.80% |
| DAVID A. CLAUSEN3 Filed as: DAVID A CLAUSEN | 52 PICKERING STREET NEEDHAM, MA 02192 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | — | $558 | $558 | 0.07% |
| MARK B. LUCIER3 Filed as: MARK B LUCIER | 52 PICKERING STREET NEEDHAM, MA 02192 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.67% |
| BULFINCH GROUP INSURANCE AGENCY3 | 140 KENDRICK ST C-1E NEEDHAM, MA 02494 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50 | — | $50 | 0.06% |
| THE CLAUSEN FINANCIAL GROUP3 Filed as: CLAUSEN FINANCIAL GROUP | 52 PICKERING ST NEEDHAM, MA 02492 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.04% |
| THE CLAUSEN FINANCIAL GROUP3 Filed as: CLAUSEN FINANCIAL GROUP | 52 PICKERING ST NEEDHAM, MA 02492 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.83% |
| THE CLAUSEN FINANCIAL GROUP3 Filed as: CLAUSEN FINANCIAL GROUP | 52 PICKERING ST NEEDHAM, MA 02492 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.10% |
| MARK B. LUCIER3 | 52 PICKERING STREET NEEDHAM, MA 02492 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $941 | — | $941 | 9.18% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 302 | $848K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $80K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 145 | $10K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $12K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $25K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $25K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
No prospect flags tripped on this filing.