| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN MA LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $50K | $11K | $61K | 6.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN MA LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $7K | — | $7K | 6.54% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE ATTENTION RICK CELLA BOSTON, MA 02199 | USABLE LIFE | $5K | — | $5K | 19.83% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE ATTENTION RICK CELLA BOSTON, MA 02199 | USABLE LIFE | $5K | — | $5K | 20.85% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE ATTENTION RICK CELLA BOSTON, MA 02199 | USABLE LIFE | $3K | — | $3K | 18.29% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE ATTENTION RICK CELLA BOSTON, MA 02199 | USABLE LIFE | $3K | — | $3K | 25.00% |
| CRYSTAL HOLMES3 | 21 ASCENSION STREET BLACKSTONE, MA 01504 | USABLE LIFE | — | $0 | $0 | 0.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE ATTENTION RICK CELLA BOSTON, MA 02199 | USABLE LIFE | $675 | — | $675 | 28.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 181 WELLS AVE NEWTON, MA 02459 | USABLE LIFE | — | $6 | $6 | 0.25% |
| CRYSTAL HOLMES3 | 21 ASCENSION STREET BLACKSTONE, MA 01504 | USABLE LIFE | — | $0 | $0 | 0.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE ATTENTION RICK CELLA BOSTON, MA 02199 | USABLE LIFE | $586 | — | $586 | 32.25% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE ATTENTION RICK CELLA BOSTON, MA 02199 | USABLE LIFE | $205 | — | $205 | 25.00% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 83 | $1.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 88 | $104K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 62 | $20K |
| Life insurance | USABLE LIFE | 101 | $14K |
| Short-term disability | USABLE LIFE | 101 | $24K |
| Long-term disability | USABLE LIFE | 101 | $25K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 83 | $1.0M |
| Other(5 contracts) | USABLE LIFE | 101 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.