| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INS SERVICES INC. | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS, INC. | $176K | — | $176K | 1.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 4.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 4.05% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT INS SERVICES INC. | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 7.86% |
| GIBSON INSURANCE AGENCY, INC. Filed as: DELAND GIBSON INSURANCE ASSOC, INC | 36 WASHINGTON STREET WELLESLEY HILLS, MA 02481 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 17.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $343 | — | $343 | 13.54% |
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 | 460 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS, INC. | 1,697 | $10.0M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS, INC. | 1,697 | $10.0M |
| Vision | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS, INC. | 1,697 | $9.9M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 458 | $225K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 351 | $69K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 359 | $317K |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 458 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,697 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.