| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $420K | $0 | $420K | 3.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $25K | $0 | $25K | 2.22% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | USABLE LIFE | $77K | $0 | $77K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST WORCESTER, MA 01608 | USABLE LIFE | $0 | $188 | $188 | 0.05% |
| DAME ADAM3 | 6 GRIZZLY DRIVE RUTLAND, MA 01543 | USABLE LIFE | $0 | $57 | $57 | 0.01% |
| HOLMES, CRYSTAL3 Filed as: HOLMES CRYSTAL | 21 ASCENSION STREET BLACKSTONE, MA 01504 | USABLE LIFE | $0 | $5 | $5 | 0.00% |
| GRAEVE NICHOLAS3 | 99 EDWARDS STREET QUINCY, MA 02169 | USABLE LIFE | $0 | $3 | $3 | 0.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | USABLE LIFE | $51K | $0 | $51K | 20.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | USABLE LIFE | $0 | $110 | $110 | 0.05% |
| DAME ADAM3 | 6 GRIZZLY DRIVE RUTLAND, MA 01543 | USABLE LIFE | $0 | $33 | $33 | 0.01% |
| HOLMES, CRYSTAL3 Filed as: HOLMES CRYSTAL | 21 ASCENSION STREET BLACKSTONE, MA 01504 | USABLE LIFE | $0 | $3 | $3 | 0.00% |
| GRAEVE NICHOLAS3 | 99 EDWARDS STREET QUINCY, MA 02169 | USABLE LIFE | $0 | $2 | $2 | 0.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | USABLE LIFE | $44K | $0 | $44K | 19.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST WORCESTER, MA 01608 | USABLE LIFE | $0 | $103 | $103 | 0.04% |
| DAME ADAM3 | 6 GRIZZLY DRIVE RUTLAND, MA 01543 | USABLE LIFE | $0 | $30 | $30 | 0.01% |
| HOLMES, CRYSTAL3 Filed as: HOLMES CRYSTAL | 21 ASCENSION STREET BLACKSTONE, MA 01504 | USABLE LIFE | $0 | $3 | $3 | 0.00% |
| GRAEVE NICHOLAS3 | 99 EDWARDS STREET QUINCY, MA 02169 | USABLE LIFE | $0 | $2 | $2 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $4K | $0 | $4K | 2.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $4K | $0 | $4K | 2.08% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | USABLE LIFE | $391 | $0 | $391 | 24.98% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | USABLE LIFE | $49 | — | $49 | 24.62% |
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 | 2,421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 3,929 | $13.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 3,904 | $1.1M |
| Vision | VISION SERVICE PLAN | 979 | $175K |
| Life insurance(2 contracts) | USABLE LIFE | 1,375 | $244K |
| Short-term disability | USABLE LIFE | 1,213 | $232K |
| Long-term disability | USABLE LIFE | 1,356 | $387K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 3,929 | $13.9M |
| Other | USABLE LIFE | 6 | $199 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,929 | — |
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.