| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | 100 QUANNAPOWITT PARKWAY SUITE 400 WAKEFIELD, MA 018805300 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $4K | $12K | 2.69% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | 100 QUANNAPOWITT PARKWAY, SUITE 400 WAKEFIELD, MA 01880 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 6.61% |
| BLUE BENEFIT ADMINISTRATORS OF MASS5 Filed as: BLUE BENEFIT ADMINISTRATORS | P.O. BOX 55917 BOSTON, MA 022055917 | GERBER | — | $255K | $255K | 97.02% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | 233 WEST CENTRAL STREET NATICK, MA 01760 | GERBER | — | $45K | $45K | 17.05% |
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | FEDERAL INSURANCE COMPANY | $225 | — | $225 | 15.00% |
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 | 679 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER | 565 | $263K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,335 | $457K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 679 | $364K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 679 | $364K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 679 | $364K |
| Prescription drug | GERBER | 565 | $263K |
| Stop-loss / reinsurancereinsurance | GERBER | 565 | $263K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 679 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,335 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.