| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | 100 DISTRICT AVENUE, SUITE 204 BURLINGTON, MA 01803 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $46K | $0 | $46K | 1.62% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | PO BOX 1023 BURLINGTON, MA 01803 | DENTAL SERVICES OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $7K | $0 | $7K | 3.04% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | 12 KINGSDALE STREET BURLINGTON, MA 01803 | STANDARD INSURANCE COMPANY | $26K | $0 | $26K | 15.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | PO BOX 1023 BURLINGTON, MA 01803 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.59% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | 12 KINGSDALE STREET BURLINGTON, MA 01803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $610 | $0 | $610 | 5.47% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $296 | $0 | $296 | 2.66% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS SOLUTIONS, INC. | 12 KINGSDALE STREET BURLINGTON, MA 01803 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $342 | $0 | $342 | 9.93% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | PO BOX 1023 BURLINGTON, MA 01803 | HARTFORD LIFE AND ACCIDENT | $317 | $0 | $317 | 15.01% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 471 | $2.9M |
| Dental | DENTAL SERVICES OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 511 | $222K |
| Vision | VISION SERVICE PLAN | 184 | $31K |
| Life insurance | STANDARD INSURANCE COMPANY | 210 | $170K |
| Short-term disability | STANDARD INSURANCE COMPANY | 210 | $170K |
| Long-term disability | STANDARD INSURANCE COMPANY | 210 | $170K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 471 | $2.9M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 210 | $187K |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.