| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $83K | $58K | $141K | 1.89% |
| E B S INSURANCE BROKERS, INC.3 Filed as: E B S INSURANCE BROKERS INC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $28K | $0 | $28K | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 10 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | $5K | $59K | 17.14% |
| IMA, INC.3 Filed as: IMA INC | ONE GATEWAY CENTER STE 650 NEWTON, MA 02458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $329 | $5K | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $11K | 15.90% |
| IMA, INC.3 Filed as: IMA INC | ONE GATEWAY CENTER STE 650 NEWTON, MA 02458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $882 | $73 | $955 | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $6K | $0 | $6K | 8.29% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC.-NEWTON | ONE GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $1K | $0 | $1K | 1.57% |
| IMA, INC.3 Filed as: IMA INC | ONE GATEWAY CENTER STE 650 NEWTON, MA 02458 | UNUM INSURANCE COMPANY | $9K | $524 | $9K | 19.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM INSURANCE COMPANY | $775 | $94 | $869 | 1.78% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | ONE GATEWAY CENTER STE 650 BOSTON, MA 02458 | FEDERAL INSURANCE COMPANY | $293 | $9 | $302 | 15.48% |
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 | 719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 757 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,254 | $7.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,254 | $7.4M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 1,249 | $70K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 719 | $413K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 719 | $342K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,254 | $7.5M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 719 | $464K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,254 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.