| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $53K | $0 | $53K | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (NE) | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $31K | $15K | $46K | 0.99% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | DBA SULLIVAN BENEFITS 5 MOUNT ROYAL AVE STE 250 MARLBOROUGH, MA 01752 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | $0 | $29K | 5.42% |
| MARSH & MCLENNAN AGENCY LLC3 | NEW ENGLAND 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $0 | $20K | 3.69% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 5 MOUNT ROYAL AVE SUITE 250 MARLBOROUGH, MA 01752 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $9K | $0 | $9K | 2.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: A MARSH & MCLENNAN AGENCY LLC | 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 | $3K | $0 | $3K | 0.77% |
| GROUP INSURANCE SOLUTIONS, INC.3 | DBA SULLIVAN BENEFIT 5 MOUNT ROYAL AVE SUITE 250 MARLBOROUGH, MA 01752 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | $0 | $2K | 3.48% |
| GROUP INSURANCE SOLUTIONS, INC.3 | DBA SULL 5 MOUNT ROYAL AVE SUITE 250 MARLBOROUGH, MA 01752 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $716 | $0 | $716 | 1.59% |
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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 715 | $4.7M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 764 | $423K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 790 | $45K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 305 | $535K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 305 | $535K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 305 | $535K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 715 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 790 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.