| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN CARRAGHER3 | UNKNOWN BOSTON, MA 02108 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $71K | — | $71K | 1.97% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | SYMETRA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 9.10% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET WORCESTER, IL 01608 | SYMETRA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.00% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | $0 | $18K | 38.81% |
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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 511 | $3.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 511 | $3.6M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 511 | $3.6M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 308 | $173K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 308 | $173K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 308 | $173K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 511 | $3.6M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 308 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.