| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $24K | — | $24K | 0.92% |
| INSUREYOUR PEOPLE, LLC3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $17K | $7K | $24K | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $2K | — | $2K | 0.09% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY, INC. | 195 BROADWAY, 15TH FLOOR NEW YORK, NY 10007 | DELTA DENTAL OF MASSACHUSETTS | $4K | — | $4K | 2.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF MASSACHUSETTS | $4K | — | $4K | 1.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MASSACHUSETTS | $2K | — | $2K | 0.73% |
| TELAMON HUMAN CAPITAL RESOURCES3 Filed as: TELAMON HUMAN CAPITAL RESOURCE | 30 SOUTHWEST PARK WESTWOOD, MA 02090 | THE GUARDIAN LIFE INSURANCE COMPANY | $16K | — | $16K | 13.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.24% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | — | EYEMED VISION CARE | $2K | — | $2K | 8.49% |
| INSUREYOUR PEOPLE, LLC3 | DBS ZENEFITS INSURANCE 40 E. RIO SALADO PARKWAY TEMPE, AZ 85281 | EYEMED VISION CARE | $796 | — | $796 | 3.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | EYEMED VISION CARE | $324 | — | $324 | 1.48% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 171 | $2.6M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 398 | $221K |
| Vision | EYEMED VISION CARE | 338 | $22K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 162 | $114K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 162 | $114K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 162 | $114K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 171 | $2.6M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 162 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.