| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLAN MARKETING INSURANCE AGENCY INC3 Filed as: PLAN MARKETING INS AGENCY INC | PO BOX 5199 WESTBOROUGH, MA 01581 | SYMETRA LIFE INSURANCE COMPANY | $0 | $23K | $23K | 2.50% |
| 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 | $8K | $2K | $10K | 6.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASS | 333 ELM STREET DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 11.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 333 ELM STREET DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $614 | $8K | 16.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASS LLC | 333 ELM STREET DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 25.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA DBA UNITED BENE | 333 ELM STREET DEDHAM, MA 02026 | EYEMED | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS, INC. EIN 04-2734278 THIRD PARTY ADMINISTRATOR | Claims processing; Other services Service code 12 | 1500 WEST PARK DRIVE WESTBOROUGH, MA 01581 | $332K |
| DELTA DENTAL PLAN OF NEW HAMPSHIRE EIN 02-0273013 DENTAL CLAIMS PROCESSING | Claims processing Service code 12 | ONE DELTA DRIVE CONCORD, NH 03302 | $52K |
| BROWN & BROWN OF MASSACHUSETTS EIN 27-4732361 BROKER | Insurance agents and brokers Service code 22 | 333 ELM STREET DEDHAM, MA 02026 | $10K |
| COMBINED SERVICES LLC DBA CSONE EIN 02-0479434 BROKER | Insurance agents and brokers Service code 22 | 2 DELTA DRIVE CONCORD, NH 03302 | $2K |
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 | 675 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 675 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPSYCH | 238 | $5K |
| Vision | EYEMED | 394 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 675 | $152K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 675 | $204K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 524 | $923K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 675 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 675 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.