| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $116K | — | $116K | 11.91% |
| GALLACHER BENEFIT SVCS INC.3 Filed as: GALLACHER BENEFIT INSURANCE SVCS MA | TWO PIERCE PLACE ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$8 | — | -$8 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | RELIANCE STANDARD INSURANCE COMPANY | $43K | $2K | $45K | 10.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | RELIANCE STANDARD INSURANCE COMPANY | $29K | $713 | $30K | 18.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | EYEMED | $7K | — | $7K | 6.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | UNUM LIFE INS. COMPANY OF AMERICA | $14K | — | $14K | 16.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | TWO PIERCE PLACE ITASCA, IL 60143 | LEGALPLANS USA | — | $5K | $5K | 10.00% |
| DIANNA S ROBERTSON3 | 7421 N W 105TH STREET OKLAHOMA CITY, OK 73162 | ALLSTATE BENEFITS | $732K | — | $732K | 1844.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | TWO PIERCE PLACE ITASCA, IL 60143 | ALLSTATE BENEFITS | $2K | — | $2K | 4.07% |
| MICHAEL LYNCH3 | 10 KING GEORGE DRIVE BOXFORD, MA 01921 | ALLSTATE BENEFITS | $1K | — | $1K | 3.46% |
| JAMES A SMAARDYK3 | 2831 CEDAR HILLS LANE TWIN LAKES, MI 49457 | ALLSTATE BENEFITS | $50 | — | $50 | 0.13% |
| FOX FINANCIAL CONSULTANTS INC3 | 6304 E 75TH STREETTULSA TULSA, OK 74136 | ALLSTATE BENEFITS | $24 | — | $24 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | RELIANCE STANDARD INSURANCE COMPANY | $3K | $119 | $3K | 10.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | COLONIAL LIFE & ACCIDENT INS. CO | $1K | $170 | $1K | 5.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 50 BRAINTREE OFFICE PARK BRAINTREE, MA 02184 | COLONIAL LIFE & ACCIDENT INS. CO | $922 | $14 | $936 | 3.56% |
| JOY LINDER3 | 20 RICH ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INS. CO | $496 | $60 | $556 | 2.12% |
| DONNA G MOLET3 | 274 ASH STREET WINCHENDON, MA 01475 | COLONIAL LIFE & ACCIDENT INS. CO | $288 | $120 | $408 | 1.55% |
| STEPHEN QUITADAMO3 | 3 KELLY STREET AUBURN, MA 01501 | COLONIAL LIFE & ACCIDENT INS. CO | $221 | $126 | $347 | 1.32% |
| BRIAN LESSARD3 | P.O. BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE & ACCIDENT INS. CO | $302 | — | $302 | 1.15% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INS. CO | $184 | $51 | $235 | 0.89% |
| JASON HARTMAN3 Filed as: JASON C SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INS. CO | $215 | $6 | $221 | 0.84% |
| CHRISTINE GORDON3 | 73 WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INS. CO | $156 | — | $156 | 0.59% |
| MICHAEL S OBERLANDER3 | P.O. BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INS. CO | $119 | — | $119 | 0.45% |
| GEORGE POURIA3 | 22 SANBORN TERRACE AMESBURY, MA 01913 | COLONIAL LIFE & ACCIDENT INS. CO | $112 | $7 | $119 | 0.45% |
| KRISTEN V LESSARD3 | P.O. BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE & ACCIDENT INS. CO | $50 | $42 | $92 | 0.35% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DRIVE GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INS. CO | $61 | $21 | $82 | 0.31% |
| LISA M AMBRUSON3 | P.O. BOX 1222 WARREN, MA 01083 | COLONIAL LIFE & ACCIDENT INS. CO | — | $31 | $31 | 0.12% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INS. CO | $6 | $21 | $27 | 0.10% |
| DB INSURANCE INC3 | 10 PEACH TREE LANE DANVERS, MA 01923 | COLONIAL LIFE & ACCIDENT INS. CO | $6 | $3 | $9 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | EYEMED | $2K | — | $2K | 231.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | FIRST RELIANCE STANDARD INS. CO | $66 | — | $66 | 10.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | FEDERAL INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MATRIX ABSENCE MANAGEMENT INC EIN 77-0493584 NONE | Claims processing Service code 12 | — | $31K |
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 | 1,181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 1,208 | $201K |
| Vision(2 contracts) | EYEMED | 2,784 | $113K |
| Life insurance | RELIANCE STANDARD INSURANCE COMPANY | 1,210 | $427K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 1,208 | $207K |
| Stop-loss / reinsurancereinsurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,734 | $977K |
| Other(8 contracts, 8 carriers) | UNUM LIFE INS. COMPANY OF AMERICA | 1,376 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,784 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.