| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $28K | $10K | $38K | 2.93% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $9K | — | $9K | 0.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 2300 CONTRA COSTA BLVD PLEASANT HILL, CA 94523 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 15.49% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INSURANCE SVCS | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.40% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 8777 N GAINEY CENTER DR STE 26 SCOTTSDALE, AZ 85258 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | HARTFORD LIFE AND ACCIDENT | $252 | $55 | $307 | 9.71% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $176 | — | $176 | 5.56% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INSURANCE SVCS | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | HARTFORD LIFE AND ACCIDENT | $64 | — | $64 | 2.02% |
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 | 89 | 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) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 58 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 58 | $1.3M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 58 | $1.3M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 53 | $3K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 102 | $35K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 102 | $35K |
| Other | HARTFORD LIFE AND ACCIDENT | 53 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.