| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $74K | $17K | $91K | 3.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $12K | $29K | 10.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS MEMORIAL BOULEVARD SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $537 | $0 | $537 | 4.98% |
| DAVID C. FLAHERTY3 Filed as: DAVID C. FLAHERTY, INC. | 105 THREE RIVERS DRIVE BRIDGEWATER, MA 02324 | CONTINENTAL AMERICAN INSURANCE COMPANY | $195 | $0 | $195 | 1.81% |
| ERIN F. MURPHY3 Filed as: ERIN FRANCES MURPHY | 125 BUCK KNOLL ROAD RAYNHAM, MA 02767 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | $0 | $126 | 1.17% |
| KENNETH H. PLATTER3 Filed as: KENNETH HOWARD PLATTER | 18 SCOTCH DAM ROAD SOUTH EASTON, MA 02375 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | $0 | $114 | 1.06% |
| SHAW ASSOCIATES INC3 Filed as: SHAW ASSOCIATES INC. | 222 FORBES ROAD, SUITE 100 BRAINTREE, MA 02184 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | $0 | $102 | 0.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $557 | $0 | $557 | 17.00% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 383 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $274K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 272 | $16K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $285K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $274K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $274K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 383 | $2.5M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.