| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | SUN LIFE ASSURANCE COMPANY OF CANADA | $88K | $0 | $88K | 7.56% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $57K | $0 | $57K | 4.87% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | KAISER FOUNDATION HEALTH PLAN, INC. | $23K | $0 | $23K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 1 INTERNATIONAL PLACE, SUITE 1630 BOSTON, MA 02110 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | $0 | $12K | 1.59% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $11K | $0 | $11K | 3.22% |
| LOCKTON COMPANIES, LLC3 | 717 NORTH HARWOOD, SUITE 2500 DALLAS, TX 75201 | UPMC HEALTH OPTIONS | $2K | $0 | $2K | 0.65% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.90% |
| LOCKTON COMPANIES, LLC3 | 2 WILLIAM T. MORRISSEY BOULEVARD DORCHESTER, MA 02125 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.36% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DRIVE, SUITE 700 METHUEN, MA 01844 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $189 | $2K | 8.84% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | $819 | $0 | $819 | 3.31% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $225 | $0 | $225 | 7.50% |
| LOCKTON COMPANIES, LLC3 | 1 INTERNATIONAL PLACE, SUITE 1630 BOSTON, MA 02110 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $225 | $0 | $225 | 7.50% |
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 | 1,264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,264 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,065 | $122K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,264 | $1.2M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,264 | $1.2M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,264 | $1.1M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,264 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,264 | — |
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.