| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAROLYN GROVER3 Filed as: CAROLYN KEELAN | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $52K | — | $52K | 2.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $52K | — | $52K | 2.63% |
| CAROLYN GRAHAM MCLAUGHLIN3 | 587 WATERLOO CIRCLE BERWYN, PA 19312 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $3K | — | $3K | 2.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | PO BOX 416672 BOSTON, MA 02241 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $1K | — | $1K | 1.01% |
| BERNADETTE M O'NEIL3 Filed as: BERNADETTE M O'NEILL | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 7.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY STREET FLOOR 6 NEW YORK, NY 10281 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 416672 BOSTON, MA 02241 | VISION SERVICE PLAN | $323 | — | $323 | 1.63% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KROGER AVENUE SUITE 200 ST. PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $2K | — | $2K | 9.95% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BUILING I, SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | — | $768 | $768 | 5.02% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 162 | $2.0M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 359 | $137K |
| Vision | VISION SERVICE PLAN | 163 | $20K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 245 | $88K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 245 | $88K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 245 | $88K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 245 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.