| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (NE) | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $353K | $103K | $455K | 2.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | DBA BARNEY BARNEY MMC PO BOX 85638 ATTN ACCOUNTING SAN DIEGO, CA 92186 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $75K | — | $75K | 10.55% |
| MARSH & MCLENNAN AGENCY LLC3 | BOSTONIAN MMC COMPANY 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 4.89% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $308 | $308 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN GENERAL INSURANCE COMPANY | $17K | $0 | $17K | 20.03% |
| RJ AGENCIES, INC.3 | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 554281516 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $321 | $321 | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41 ST STE 100 MIAMI, FL 33178 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $255 | $255 | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST, PLAZA TWO 250 PEHLE AVENUE SUITE 400 SADDLEBROOK, NJ 07663 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $169 | $169 | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF A MARSH & MCLENNAN AGENCY | PARK 80 WEST SADDLE BROOK, NJ 07663 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $53 | $53 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $29 | $29 | 0.04% |
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 | 1,092 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 2,537 | $17.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 2,537 | $17.5M |
| Vision | VISION SERVICE PLAN | 1,031 | $218K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,092 | $712K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,092 | $712K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,092 | $712K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 2,537 | $17.5M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,104 | $832K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,537 | — |
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.