| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS PROVIDERS | 799 CAMBRIDGE ST. CAMBRIDGE, MA 021411428 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $39K | $9K | $48K | 2.40% |
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS PROVIDERS | 799 CAMBRIDGE ST. CAMBRIDGE, MA 021411428 | DENTAL SERVICES OF MASSACHUSETTS, INC D/B/A DELTA DENTAL OF MA | $3K | — | $3K | 1.71% |
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS PROVIDERS | 799 CAMBRIDGE ST. CAMBRIDGE, MA 021411428 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $2K | $7K | 11.22% |
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS PROVIDERS | 799 CAMBRIDGE ST. CAMBRIDGE, MA 021411428 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| DB INSURANCE INC3 | 23 FRANKLIN STREET SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | $88 | $261 | 8.22% |
| GIANNI RICHIO3 | 18 RICKER CIRCLE SOUTH HAMILTON, MA 01982 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 2.36% |
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS PROVIDERS | 799 CAMBRIDGE ST. CAMBRIDGE, MA 021411428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 1.83% |
| CHRISTOPHER MANZI3 | 400 COLONIAL DRIVE IPSWICH, MA 01938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $11 | $22 | 0.69% |
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 | 362 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 362 | $2.0M |
| Dental | DENTAL SERVICES OF MASSACHUSETTS, INC D/B/A DELTA DENTAL OF MA | 356 | $154K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 157 | $16K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 220 | $70K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 220 | $66K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 220 | $66K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 362 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.