| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS PARTNERS, INC. | 330 COCHITUATE ROAD, UNIT 761 FRAMINGHAM, MA 01701 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $36K | — | $36K | 1.75% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS, LLC | 410 UNIVERSITY AVENUE WESTWOOD, MA 02090 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $28K | — | $28K | 1.39% |
| JEFFREY BASTIEN3 | 1139 GREEN DISTRICT BOULEVARD MARLBOROUGH, MA 01752 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $21K | — | $21K | 1.03% |
| INDIGO INSURANCE SERVICES3 | 100 FRONT STREET, 20TH FLOOR WORCESTER, MA 01608 | USABLE LIFE | $44K | $0 | $44K | 22.50% |
| LORI ANN MARTINEZ3 | 11 MONUMENT DRIVE OXFORD, MA 01540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $5K | $11K | 32.72% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LTD. | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 22.49% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | UNKNOWN SOUTH DENNIS, MA 02660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $38 | $4K | 10.04% |
| ASHLEY FOLLIS3 | 2 GRIFFITHS DRIVE DURHAM, NH 03824 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $588 | $3K | 8.98% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $438 | $2K | 5.37% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER E. LUBELSKY | 80 JOHN STREET, APARTMENT 11C NEW YORK, NY 10038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $181 | $2K | 5.07% |
| WALTER THOMAS BONILLA3 Filed as: WALTER THOMAS BONILLA & OTHER AGNTS | 9 LONGLEAF LANE MEDFORD, NY 11763 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $346 | $188 | $534 | 1.53% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS, LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | DELTA DENTAL PLAN OF MAINE | $949 | $0 | $949 | 2.85% |
| JEFFREY BASTIEN3 | 1139 GREEN DISTRICT BOULEVARD MARLBOROUGH, MA 01752 | DELTA DENTAL PLAN OF MAINE | $709 | $0 | $709 | 2.13% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $36 | $0 | $36 | 0.11% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS, LLC | 410 UNIVERSITY AVENUE WESTWOOD, MA 02090 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.31% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFIT PARTNERS | 330 COCHITUATE ROAD, UNIT 761 FRAMINGHAM, MA 01701 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.86% |
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 | 334 | 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) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 367 | $2.0M |
| Dental | DELTA DENTAL PLAN OF MAINE | 57 | $33K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 284 | $20K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 334 | $231K |
| Short-term disability | USABLE LIFE | 334 | $196K |
| Long-term disability | USABLE LIFE | 334 | $196K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 367 | $2.0M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 334 | $231K |
| 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.
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.