| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST 5TH FL WORCESTER, MA 01607 | SYMETRA LIFE INSURANCE COMPANY | $50K | — | $50K | 5.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | SYMETRA LIFE INSURANCE COMPANY | $24K | — | $24K | 2.46% |
| BAYSTATE BENEFIT SERVICES3 Filed as: BAYSTATE BENEFIT SERVICES INC | 400 WASHINGTON ST STE 400 BRAINTREE, MA 02184 | SYMETRA LIFE INSURANCE COMPANY | -$2K | — | -$2K | -0.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | EYEMED VISION CARE | $16K | — | $16K | 9.95% |
| BAYSTATE BENEFIT SERVICES3 Filed as: BAYSTATE BENEFIT SERVICES INC | 400 WASHINGTON ST STE 400 BRAINTREE, MA 02184 | SYMETRA LIFE INSURANCE COMPAY | $70 | $5 | $75 | 2.53% |
| BAYSTATE BENEFIT SERVICES3 Filed as: BAYSTATE BENEFIT SERVICES, INC. | 400 WASHINGTON ST., SUITE 400 BRAINTREE, MA 02184 | BAYSTATE BENEFIT SERVICES, INC. | — | $192K | $192K | — |
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 | 1,573 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF MASSACHUSETTS | 3,098 | $858K |
| Dental | BLUECROSS BLUESHIELD OF MASSACHUSETTS | 3,098 | $797K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 2,607 | $220K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,228 | $960K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPAY | 5 | $3K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,228 | $960K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 11 | $61K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,228 | $960K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,098 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.