| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK KRUPKOWSKI3 | MERRIMACK INS AND RETIREMENT 1538 TURNPIKE STREET, STE 404 NORTH ANDOVER, MA 01845 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 4.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASS LLC | 333 ELM STREET DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASS | 333 ELM STREET STE 300 DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.81% |
| MARK KRUPKOWSKI3 | MERRIMAKCK INS AND RETIREMENT 1538 TURNPIKE STREET NORTH ANDOVER, MA 01845 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASS LLC | 333 ELM STREET STE 300 DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.65% |
| MARK KRUPKOWSKI3 | MERRIMACK INS AND RETIREMENT 1538 TURNPIKE STREET STE 404 NORTH ANDOVER, MA 01845 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.72% |
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 | 656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 656 | $242K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 656 | $196K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 656 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.