| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $421K | $196K | $617K | 2.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $34K | $0 | $34K | 2.16% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVE BOSTON, MA 02199 | USABLE LIFE | $86K | $0 | $86K | 19.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | USABLE LIFE | $0 | $51 | $51 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $28 | $0 | $28 | 0.01% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVE BOSTON, MA 02199 | USABLE LIFE | $54K | $0 | $54K | 19.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST STE 800 WORCESTER, MA 01608 | USABLE LIFE | $0 | $26 | $26 | 0.01% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVE BOSTON, MA 02199 | USABLE LIFE | $12K | $0 | $12K | 19.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST STE 800 WORCESTER, MA 01608 | USABLE LIFE | $0 | $11 | $11 | 0.02% |
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 | 1,973 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 4,090 | $21.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 4,163 | $1.6M |
| Vision | VISION SERVICE PLAN | 1,761 | $306K |
| Life insurance | USABLE LIFE | 2,014 | $279K |
| Short-term disability | USABLE LIFE | 1,663 | $62K |
| Long-term disability | USABLE LIFE | 1,677 | $443K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 4,090 | $21.0M |
| Other | USABLE LIFE | 2,014 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,163 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.