| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | UNKNOWN LEXINGTON, MA 02421 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $38K | $0 | $38K | 1.29% |
| THE BALDWIN GROUP WEST LLC3 Filed as: BALDWIN GROUP SOUTHEAST, LLC | UKNOWN LEXINGTON, MA 02421 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $6K | $3K | $9K | 0.30% |
| THE BALDWIN GROUP WEST LLC3 Filed as: BALDWIN GROUP SOUTHEAST LLC | 410 UNIVERSITY AVENUE WESTWOOD, MA 02998 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 8.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, IMC. | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | -$2K | — | -$2K | -1.33% |
| THE BALDWIN GROUP WEST LLC3 Filed as: BALDWIN GROUP SOUTHEAST, LLC | 410 UNIVERSITY AVENUE WESTWOOD, MA 02998 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.71% |
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 | 59 | 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) | 59 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 150 | $3.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 150 | $3.0M |
| Vision | VISION SERVICE PLAN | 56 | $20K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 48 | $160K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 48 | $160K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 48 | $160K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 150 | $3.0M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 48 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.