| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVO BENEFITS GROUP | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $40K | — | $40K | 3.32% |
| INNOVO BENEFITS GROUP | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $5K | — | $5K | 4.85% |
| INDIGO INSURANCE SERVICES | — | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 7.00% |
| INNOVO BENEFITS GROUP | — | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 6.23% |
| INDIGO INSURANCE SERVICES Filed as: INDIGO INSURANCE SERVICES LLC | — | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 7.00% |
| INNOVO BENEFITS GROUP | — | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 6.26% |
| MARSH & MCLENNAN AGENCY LLC | — | HARTFORD LIFE AND ACCIDENT | $10 | $4 | $14 | 0.06% |
| INNOVO BENEFITS GROUP | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $743 | — | $743 | 10.92% |
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 | 221 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 208 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 221 | $99K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 113 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 109 | $33K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 39 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.