| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTES, INC | $39K | $0 | $39K | 0.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $14K | $9K | $23K | 10.42% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET, 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $15K | $15K | 7.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 200 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | HARTFORD LIFE AND ACCIDENT | $45 | $0 | $45 | 0.02% |
| BRENDAN QUINLAN3 | 575 MARKET STREET, SUITE 3600 SAN FRANCISCO, CA 94105 | ARAG INSURANCE COMPANY | $1K | $0 | $1K | 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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTES, INC | 500 | $3.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTES, INC | 500 | $3.9M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTES, INC | 500 | $3.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 217 | $219K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 217 | $219K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 217 | $219K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTES, INC | 500 | $3.9M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 217 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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.