| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY INC. | 155 FEDERAL STREET SUITE 1100 BOSTON, MA 02110 | TUFTS INSURANCE COMPANY | $30K | — | $30K | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | TUFTS INSURANCE COMPANY | $7K | — | $7K | 0.33% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC. | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | TUFTS INSURANCE COMPANY | $300 | — | $300 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MASSACHUSETTS | $4K | — | $4K | 2.32% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | DELTA DENTAL OF MASSACHUSETTS | $2K | — | $2K | 1.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.72% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY INC. | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | EYEMED VISION CARE | $1K | — | $1K | 6.05% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY, DBA | YOZELL ASSOCIATES 155 FEDERAL STREET #1100 BOSTON, MA 02110 | EYEMED VISION CARE | $624 | — | $624 | 3.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $934 | — | $934 | 5.78% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY INC. | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $758 | — | $758 | 4.69% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS INSURANCE COMPANY | 399 | $2.3M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 430 | $178K |
| Vision | EYEMED VISION CARE | 334 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $16K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $23K |
| Prescription drug | TUFTS INSURANCE COMPANY | 399 | $2.3M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.