| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | UNKNOWN NORTH BILLERICA, MA 01862 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $78K | $23K | $101K | 3.64% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $52K | $0 | $52K | 21.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 181 WELLS AVENUE NEWTON, MA 02459 | USABLE LIFE | $0 | $41 | $41 | 0.02% |
| CRYSTAL HOLMES3 | 21 ASCENSION STREET BLACKSTONE, MA 01504 | USABLE LIFE | $0 | $12 | $12 | 0.00% |
| THOMAS KHOURY3 | 12 VALLEY ROAD SOUTHBOROUGH, MA 01772 | USABLE LIFE | $0 | $8 | $8 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL PLAN OF MAINE | $2K | $0 | $2K | 4.98% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $503 | $0 | $503 | 1.31% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | UNKNOWN NORTH BILLERICA, MA 01862 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 331 | 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) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 306 | $2.8M |
| Dental | DELTA DENTAL PLAN OF MAINE | 68 | $38K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 127 | $16K |
| Life insurance | USABLE LIFE | 287 | $249K |
| Short-term disability | USABLE LIFE | 287 | $249K |
| Long-term disability | USABLE LIFE | 287 | $249K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 306 | $2.8M |
| Other | USABLE LIFE | 287 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.