| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $129K | $14K | $142K | 5.53% |
| BROWN & BROWN INSURANCE SERVICES3 | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $13K | — | $13K | 6.01% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE ATTENTION RICK CELLA BOSTON, MA 02199 | USABLE LIFE | $10K | — | $10K | 20.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE ATTENTION RICK CELLA BOSTON, MA 02199 | USABLE LIFE | $7K | — | $7K | 20.00% |
| BROWN & BROWN INSURANCE SERVICES3 | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $2K | — | $2K | 10.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE ATTENTION RICK CELLA BOSTON, MA 02199 | USABLE LIFE | $3K | — | $3K | 20.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE ATTENTION RICK CELLA BOSTON, MA 02199 | USABLE LIFE | $2K | — | $2K | 19.11% |
| BROWN & BROWN INSURANCE SERVICES3 | 980 WASHINGTON ST SUITE 325 DEDHAM, MA 02026 | USABLE LIFE | — | $96 | $96 | 0.77% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE ATTENTION RICK CELLA BOSTON, MA 02199 | USABLE LIFE | $3K | — | $3K | 25.00% |
| BROWN & BROWN INSURANCE SERVICES3 | 980 WASHINGTON ST SUITE 325 DEDHAM, MA 02026 | USABLE LIFE | — | $98 | $98 | 0.93% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE ATTENTION RICK CELLA BOSTON, MA 02199 | USABLE LIFE | $1K | — | $1K | 14.72% |
| BROWN & BROWN INSURANCE SERVICES3 | 980 WASHINGTON ST SUITE 325 DEDHAM, MA 02026 | USABLE LIFE | — | $89 | $89 | 0.94% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE ATTENTION RICK CELLA BOSTON, MA 02199 | USABLE LIFE | $396 | — | $396 | 25.03% |
| BROWN & BROWN INSURANCE SERVICES3 | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | USABLE LIFE | — | $22 | $22 | 1.39% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 154 | $2.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 167 | $222K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 129 | $21K |
| Life insurance | USABLE LIFE | 194 | $34K |
| Short-term disability | USABLE LIFE | 194 | $16K |
| Long-term disability | USABLE LIFE | 194 | $52K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 154 | $2.6M |
| Other(5 contracts) | USABLE LIFE | 194 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.