| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INS SERVICES INC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $31K | $17K | $48K | 2.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (NE) | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $20K | — | $20K | 0.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 476 ATLANTIC AVE FL 3 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $75 | $3K | 9.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 476 ATLANTIC AVE FL 3 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $66 | $2K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $905 | — | $905 | 3.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $839 | — | $839 | 3.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 016081435 | VISION SERVICE PLAN | $629 | — | $629 | 2.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 476 ATLANTIC AVE FL 3 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $30 | $1K | 8.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $411 | — | $411 | 3.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 476 ATLANTIC AVE FL 3 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $553 | $17 | $570 | 7.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $225 | — | $225 | 2.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 476 ATLANTIC AVE FL 3 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $53 | $2 | $55 | 7.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23 | — | $23 | 3.04% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 347 | $2.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 347 | $2.3M |
| Vision | VISION SERVICE PLAN | 138 | $23K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $21K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $28K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $32K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.