| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $30K | $9K | $39K | 3.78% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $2K | $828 | $3K | 4.50% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE ST SUITE 300 PROVIDENCE, RI 02908 | NORTHWEST MUTUAL | $2K | $394 | $2K | 13.14% |
| JEFFREY A IMLAY3 | 5251 W 116TH PL SUITE 300 LEAWOOD, KS 66211 | NORTHWEST MUTUAL | $672 | $276 | $948 | 6.35% |
| RUSSO GROUP LLC3 Filed as: RUSSO GRP LLC | 875 3RD AVE FL 23 NEW YORK, NY 10022 | NORTHWEST MUTUAL | $190 | $46 | $236 | 1.58% |
| RPS BENEFITS INC3 Filed as: RPS FNCL GRP INC | 5251 W 116TH PL SUITE 300 LEAWOOD, KS 66211 | NORTHWEST MUTUAL | $84 | $10 | $94 | 0.63% |
| FRIELING INS AGY INC3 Filed as: FRIELING INS AGENCY INC | 55 WILLIAM ST SUITE 100 WELLESLEY, MA 02481 | NORTHWEST MUTUAL | $5 | $1 | $6 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $417 | — | $417 | 34.07% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 89 | $1.0M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 130 | $74K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 57 | $1K |
| Life insurance | NORTHWEST MUTUAL | 143 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.