| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SENTINEL INSURANCE AGENCY, INC.3 Filed as: SENTINEL INSURANCE AGENCY | 100 QUANNAPOWITT PKWY, STE 402 WAKEFIELD, MA 01880 | BCBSMA | $84K | $31K | $115K | 2.29% |
| ROSE & KIERNAN INC3 | 159 WOLF RD, SUITE 200 ALBANY, NY 12205 | ANTHEM BLUE CROSS | $3K | — | $3K | 3.18% |
| SENTINEL INSURANCE AGENCY, INC.3 | 100 QUANNAPOWITT PKWY, SUITE 402 WAKEFIELD, MA 01880 | ANTHEM BLUE CROSS | $912 | — | $912 | 0.92% |
| SENTINEL INSURANCE AGENCY, INC.3 Filed as: SENTINEL INSURANCE AGENCY | 100 QUANNAPOWITT PKWY, STE 402 WAKEFIELD, MA 01880 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
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 | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSMA | 354 | $5.0M |
| Dental(2 contracts, 2 carriers) | BCBSMA | 354 | $5.1M |
| Vision | ANTHEM BLUE CROSS | 95 | $99K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $56K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $56K |
| Prescription drug | BCBSMA | 354 | $5.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.