| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | CALIFORNIA PHYSICIANS SERVICE | $0 | $64K | $64K | 5.27% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | SUN LIFE ASSURANCE COMPANY OF CANADA | $107K | $0 | $107K | 12.49% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | KAISER FOUNDATION HEALTH PLAN INC | $26K | $0 | $26K | 4.78% |
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP | 300 LENTO BOULEVARD BETHEL PARK, PA 15102 | UPMC HEALTH OPTIONS | $9K | $0 | $9K | 2.65% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 300 LENTO BOULEVARD BETHEL PARK, PA 15102 | UPMC HEALTH OPTIONS | $5K | $0 | $5K | 1.33% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.61% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 10.35% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $225 | $0 | $225 | 15.00% |
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 | 1,055 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,068 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 1,055 | $2.1M |
| Vision | VISION SERVICE PLAN | 917 | $98K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,063 | $857K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,063 | $857K |
| Prescription drug(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 1,055 | $2.1M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,063 | $870K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,063 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.