| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FMG INSURANCE AGENCY INC3 Filed as: FMG FINANCIAL SERVICES | 228 PARK AVE WORCESTER, MA 01609 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $181K | $31K | $211K | 1.49% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $41K | $41K | 7.00% |
| FMG INSURANCE AGENCY INC3 Filed as: FMG INSURANCE AGENCY | 171 WEST BOYLSTON STREET WEST BOYLSTON, MA 01583 | HARTFORD LIFE AND ACCIDENT | $27K | — | $27K | 4.61% |
| MICHAEL HANLEY3 | 228 PARK AVE WORCESTER, MA 016092248 | VISION SERVICE PLAN | $2K | — | $2K | 2.90% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $961 | $961 | 8.49% |
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 | 2,179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 2,700 | $14.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 2,700 | $14.2M |
| Vision | VISION SERVICE PLAN | 966 | $71K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,281 | $592K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,281 | $592K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,281 | $592K |
| Other | HARTFORD LIFE AND ACCIDENT | 2,179 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,700 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.