| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNANA AGENCY, LLC | UNKNOWN UNKNOWN, MA 00000 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $124K | $227 | $124K | 1.54% |
| LUCIER, MARK B3 Filed as: LUCIER MARK | 2 RICE SPRING LN WAYLAND, MA 01778 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $30K | $0 | $30K | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $34 | $6K | 0.77% |
| MARK LUCIER3 | 2 RICE SPRING LN WAYLAND, MA 017783510 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | BOSTONIAN MMC COMPANY 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 3.40% |
| MARK LUCIER3 | C/O CLAUSEN FINANCIAL 2 RICE SPRING LANE WAYLAND, MA 017783510 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 2.43% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $131 | $131 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE BOSTON, MA 02199 | EYEMED | $5K | $0 | $5K | 7.07% |
| MARK B. LUCIER3 Filed as: MARK B LUCIER | 2 RICE SPRING LN WAYLAND, MA 01778 | EYEMED | $2K | $0 | $2K | 2.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | MARSH MCLENNAN AGENCY LLC 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $3K | $34 | $3K | 8.27% |
| MARK B. LUCIER3 Filed as: MARK B LUCIER | THE CLAUSEN FINANCIAL GROUP 2 RICE SPRING LANE WAYLAND, MA 01778 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $594 | $0 | $594 | 1.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | MARSH MCLENNAN AGENCY LLC 11330 LAKEFIELD DRIVE SUITE 100, BL JOHNS CREEK, GA 30097 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $311 | $311 | 0.81% |
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 | 622 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,415 | $8.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,883 | $712K |
| Vision | EYEMED | 1,385 | $77K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 717 | $292K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 717 | $292K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,415 | $8.1M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 717 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,883 | — |
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.