| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN, LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $26K | $9K | $35K | 1.19% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $20K | — | $20K | 0.70% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $3K | — | $3K | 1.56% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN, LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $3K | — | $3K | 1.46% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $6K | — | $6K | 8.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 50 MILK STREET, FLOOR 16 BOSTON, MA 02109 | LINCOLN FINANCIAL | $5K | — | $5K | 8.00% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | 8.00% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN, LLC | 9 SOUTH STREET CHESTNUT HILL, MA 024673147 | VISION SERVICE PLAN | $889 | — | $889 | 2.27% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 9 SOUTH STREET CHESTNUT HILL, MA 024673147 | VISION SERVICE PLAN | $719 | — | $719 | 1.84% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 8.00% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 532 | $2.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 597 | $221K |
| Vision | VISION SERVICE PLAN | 193 | $39K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 168 | $137K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN FINANCIAL | 168 | $84K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN FINANCIAL | 168 | $100K |
| Other | LINCOLN FINANCIAL | 168 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.