| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LC | UNKNOWN CAMBRIDGE, MA 02141 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $74K | $11K | $85K | 2.06% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS. AGENCY | UNKNOWN CAMBRIDGE, MA 02141 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $7K | $0 | $7K | 0.18% |
| GROUP INSURANCE SOLUTIONS, INC.3 | UNKNOWN CAMBRIDGE, MA 02141 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | -$7K | — | -$7K | -0.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: A MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $9K | $145 | $9K | 2.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | $0 | $29K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $6K | $6K | 1.92% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 5 MOUNT ROYAL AVE, SUITE 250 MARLBOROUGH, MA 01752 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $768 | $0 | $768 | 2.18% |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 274 | $4.1M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 314 | $328K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 303 | $35K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 318 | $293K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 318 | $293K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 318 | $293K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 274 | $4.1M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 318 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.