| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INSURANCE SERVICE | 2 PIERCE PLACE ITASCA, IL 60143 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $61K | — | $61K | 8.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON ST STE 300 BOSTON, MA 02116 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | — | $35K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INSURANCE SERVICE | 1900 CROWN COLONY DRIVE SUITE 308 QUINCY, MA 02169 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $10K | $36K | 7.84% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON ST STE 300 BOSTON, MA 02116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | — | $20K | 4.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INSURANCE SERVICE | 1900 CROWN COLONY DRIVE SUITE 308 QUINCY, MA 02169 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $3K | $19K | 11.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 6.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO OF MASS | 50 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 02184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 9.85% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON ST STE 300 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 50 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 02184 | ALLSTATE BENEFITS | $2K | — | $2K | 4.07% |
| MICHAEL LYNCH3 | 10 KING GEORGE DRIVE BOXFORD, MA 01921 | ALLSTATE BENEFITS | $2K | — | $2K | 3.48% |
| JAMES A SMAARDYK3 Filed as: JAMES A. SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | ALLSTATE BENEFITS | $54 | — | $54 | 0.12% |
| FOX FINANCIAL CONSULTANTS INC3 | 6304 E 75TH ST TULSA, OK 74136 | ALLSTATE BENEFITS | $26 | — | $26 | 0.06% |
| DIANNA S ROBERTSON3 | 9500 WESTGATE ROAD STE 200 OKLAHOMA CITY, OK 73162 | ALLSTATE BENEFITS | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE ITASCA, IL 60143 | LEGALPLANS, USA | — | $4K | $4K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INSURANCE SERVICE | 1900 CROWN COLONY DRIVE SUITE 308 QUINCY, MA 02169 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $524 | $2K | 7.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON ST STE 300 BOSTON, MA 02116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 50 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 02184 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $24 | $1K | 5.80% |
| JASON HARTMAN3 Filed as: JASON C. SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $462 | $64 | $526 | 2.33% |
| BRIAN LESSARD3 | 18 JOHNNY CAKE ST NORTH ANDOVER, MA 01845 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $416 | $55 | $471 | 2.08% |
| CHRISTINE GORDON3 | 123 CARRINGTON LANE UXBRIDGE, MA 01569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $1 | $194 | 0.86% |
| ELITE ADMINISTRATION3 | 193 SCHLAFER RD BAINBRIDGE, NY 13733 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $50 | $142 | 0.63% |
| MICHAEL S OBERLANDER3 Filed as: MICHAEL S. OBERLANDER | P.O. BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 0.61% |
| BRAD BIEL3 | 2 GOLD STREET NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $105 | $126 | 0.56% |
| GEORGE POURIA3 | 22 SANBORN TERRACE AMESBURY, MA 01913 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $10 | $125 | 0.55% |
| KRISTEN V LESSARD3 Filed as: KRISTEN V. LESSARD | 18 JOHNNY CAKE ST NORTH ANDOVER, MA 01845 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $43 | $95 | 0.42% |
| ELIZABETH ANN COLVIN3 | 28 BOULDER HILL LN ASHLAND, MA 01721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.33% |
| MARK STANLEY3 | 193 SCHLAFER RD BAINBRIDGE, NY 13733 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $10 | $32 | 0.14% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $3 | $30 | 0.13% |
| DB INSURANCE INC3 | 10 PEACH TREE LANE DANVERS, MA 01923 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $5 | $9 | 0.04% |
| DUSTIN ARNOLD3 | 10 PEACH TREE LANE DANVERS, MA 01923 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | 299 BALLARDVALLE STREET WILMINGTON, MA 01887 | FEDERAL INSURANCE COMPANY | $3K | $1K | $5K | 22.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 50 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 02184 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INSURANCE SERVICE | 1900 CROWN COLONY DRIVE SUITE 308 QUINCY, MA 02169 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $47 | $20 | $67 | 9.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON ST STE 300 BOSTON, MA 02116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33 | — | $33 | 4.53% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $35 | — | $35 | 7.19% |
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 | 1,196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLSTATE BENEFITS | 1,376 | $54K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,812 | $109K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,191 | $465K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,192 | $169K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,793 | $698K |
| Other(7 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,613 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,613 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.