| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 225 BROADHOLLOW RD, STE 300 MELVILLE, NY 11747 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $66K | $11K | $76K | 2.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | 800 BOYLSTON STREET, STE 600 BOSTON, MA 02199 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $15K | — | $15K | 0.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | PO BOX 416672 BOSTON, MA 02241 | AETNA LIFE INSURANCE CO | $13K | $6K | $19K | 10.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORPORATION OF MA | 800 BOYSTON ST BOSTON, MA 02199 | AETNA LIFE INSURANCE CO | $5K | — | $5K | 2.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 800 BOYLSTON STREET, SUITE 600 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 7.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | PO BOX 416672 BOSTON, MA 02241 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 7.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | — | $442 | $442 | 0.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | PO BOX 416672 BOSTON, MA 02241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 15.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | JP MORGAN CHASE NEW YORK, NY 10249 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $200 | — | $200 | 0.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC | 3 COPLEY PLACE, STE 300 BOSTON, MA 02116 | FOUR EVER LIFE INS CO. | $3K | — | $3K | 10.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE, STE 1300 MAIL STOP 01/17 BOSTON, MA 02199 | FOUR EVER LIFE INS CO. | — | $1K | $1K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 3 COPLEY PLACE, STE 300 BOSTON, MA 02116 | FOUR EVER LIFE INSURANCE CO | $864 | — | $864 | 15.00% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES, LLC | 101 HUNTINGTON AVE, STE 1300 MAIL STOP O1/17 BOSTON, MA 02199 | FOUR EVER LIFE INSURANCE CO | — | $461 | $461 | 8.00% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 156 | $2.7M |
| Dental | AETNA LIFE INSURANCE CO | 375 | $193K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 312 | $28K |
| Life insurance | STANDARD INSURANCE COMPANY | 177 | $84K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 207 | $93K |
| Other(5 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 215 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.