| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES, LLC | UNKNOWN BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $38K | $15K | $53K | 2.38% |
| BP BENEFITS, LLC3 | 160 GOULD STREET, SUITE 310 NEEDHAM, MA 02494 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $16K | $0 | $16K | 0.73% |
| BP BENEFITS, LLC3 | 160 GOULD STREET, SUITE 310 NEEDHAM, MA 02494 | HARTFORD LIFE AND ACCIDENT | $3K | $1K | $5K | 16.19% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES, LLC | 100 FRONT STREET, 20TH FLOOR WORCHESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 6.31% |
| MICHAEL J. MURRAY3 | 329 PARK STREET BOSTON, MA 02132 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.67% |
| DOUGLAS S HALL3 Filed as: DOUGLAS S. HALL | 118 GREENACRE ROAD MARSHFIELD, MA 02050 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$14 | $0 | -$14 | -0.05% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 367 | $2.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $28K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 218 | $28K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 218 | $28K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 367 | $2.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 218 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.