| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EAST COAST BENEFIT PLANS, INC.3 Filed as: EAST COAST BENEFIT PLANS | 2 COMMERCIAL STREET SUITE 101 SHARON, MA 02067 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $40K | $386 | $40K | 2.02% |
| EAST COAST BENEFIT PLANS, INC.3 Filed as: EAST COAST BENEFIT PLANS | 2 COMMERICAL DRIVE SUITE 101 DEDHAM, MA 02067 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $5K | — | $5K | 3.66% |
| EAST COAST BENEFIT PLANS, INC.3 Filed as: EAST COAST BENEFIT PLANS | 2 COMMERICAL STREET STE 101 SHARON, MA 02067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.88% |
| EAST COAST BENEFIT PLANS, INC.3 Filed as: EAST COAST BENEFIT PLANS | 2 COMMERCIAL STREET SUITE 101 SHARON, MA 02067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.06% |
| EAST COAST BENEFIT PLANS, INC.3 Filed as: EAST COAST BENEFIT PLANS | 2 COMMERCIAL STREET STE 101 SHARON, MA 02067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 14.94% |
| EAST COAST BENEFIT PLANS, INC.3 Filed as: EAST COAST BENEFIT PLANS | 2 COMMERCIAL STREET SUITE 101 SHARON, MA 02067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $246 | — | $246 | 6.23% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVE # 1500 CLEVELAND, OH 44114 | FEDERAL INSURANCE COMPANY | $225 | — | $225 | 15.00% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 323 | $2.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 349 | $138K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $79K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $53K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 285 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.