| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | BLUECROSS BLUESHEILD OF MASSACHUSETTS, INC. | $41K | $8K | $49K | 3.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 12.82% |
| INDIGO INSURANCE SERVICES3 | INDIGO INSURANCE SERVICES BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 4.33% |
| CHRIS GUZEWICH3 Filed as: CHRIS FELIX | CHRIS FELIX CHICAGO, IL 60606 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | -$522 | $0 | -$522 | -0.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 141 LONGWATER DR SUITE 101 NORWELL, MA 02061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $282 | $4K | 21.99% |
| BULFINCH GROUP INSURANCE AGY3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $68 | $0 | $68 | 0.37% |
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 | 72 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 77 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHEILD OF MASSACHUSETTS, INC. | 169 | $1.6M |
| Dental | BLUECROSS BLUESHEILD OF MASSACHUSETTS, INC. | 169 | $1.6M |
| Vision | BLUECROSS BLUESHEILD OF MASSACHUSETTS, INC. | 169 | $1.6M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 71 | $57K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 71 | $57K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 71 | $57K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 71 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.