| 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. | $80K | $19K | $99K | 3.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $4K | $0 | $4K | 2.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $54 | $54 | 0.04% |
| 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 | 9.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $948 | $0 | $948 | 5.34% |
| DAVID C. FLAHERTY3 Filed as: DAVID C. FLAHERTY, INC. | 105 THREE RIVERS DRIVE BRIDGEWATER, MA 02324 | CONTINENTAL AMERICAN INSURANCE COMPANY | $405 | $0 | $405 | 2.28% |
| ERIN F. MURPHY3 | 125 BUCK KNOLL ROAD RAYNHAM, MA 02767 | CONTINENTAL AMERICAN INSURANCE COMPANY | $222 | $0 | $222 | 1.25% |
| SHAW ASSOCIATES INC3 Filed as: SHAW ASSOCIATES, INC. | 3417 73RD STREET, SUITE R 1ST FLOOR SHARON, MA 02067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $177 | $0 | $177 | 1.00% |
| KENNETH H. PLATTER3 | 18 SCOTCH DAM ROAD SOUTH EASTON, MA 02375 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | $0 | $142 | 0.80% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $682 | $0 | $682 | 17.01% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 372 | $2.7M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 396 | $137K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 284 | $19K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 322 | $152K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 322 | $134K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 322 | $134K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 372 | $2.7M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 322 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.