| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOSTON COMMONWEALTH ADVANTAGE LLC3 Filed as: BOSTON COMMONWEALTH ADVANTAGE, LLC | 11 ELKINS STREET SUITE 450 BOSTON, MA 02127 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $40K | — | $40K | 2.06% |
| BOSTON COMMONWEALTH ADVANTAGE LLC3 Filed as: BOSTON COMMONWEALTH ADVANTAGE, LLC | 11 ELKINS STREET SUITE 450 BOSTON, MA 02127 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $6K | — | $6K | 3.83% |
| INDIGO INSURANCE SERVICES3 | 401 PARK DRIVE BOSTON, MA 02215 | USABLE LIFE | $25K | — | $25K | 25.87% |
| BOSTON COMMONWEALTH ADVANTAGE LLC3 Filed as: BOSTON COMMONWEALTH ADVANTAGE, LLC | 11 ELKINS STREET SUITE 450 BOSTON, MA 02127 | VISION SERVICE PLAN | $683 | — | $683 | 5.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GEORGIA, INC | 29727 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $177 | — | $177 | 1.35% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 142 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 145 | $163K |
| Vision | VISION SERVICE PLAN | 133 | $13K |
| Life insurance | USABLE LIFE | 153 | $98K |
| Short-term disability | USABLE LIFE | 153 | $98K |
| Long-term disability | USABLE LIFE | 153 | $98K |
| Other | USABLE LIFE | 153 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.