| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | CIGNA HEALTH AND LIFE INS. CO. | $115K | $0 | $115K | 15.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD INSURANCE COMPANY | $53K | $8K | $61K | 11.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD INSURANCE COMPANY | $37K | $3K | $40K | 17.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $12K | $0 | $12K | 9.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | UNUM LIFE INS. COMPANY OF AMERICA | $12K | $0 | $12K | 11.97% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK, INC. | 2122 KRATKY RD. ST. LOUIS, MO 63114 | UNUM LIFE INS. COMPANY OF AMERICA | $3K | $0 | $3K | 2.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.02% |
| MICHAEL LYNCH3 | 10 KING GEORGE DRIVE BOXFORD, MA 01921 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.49% |
| JAMES A SMAARDYK3 | 2831 CEDAR HILLS LANE TWIN LAKES, MI 49457 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | $0 | $50 | 0.13% |
| FOX FINANCIAL CONSULTANTS INC3 | 6304 E 75TH STREETTULSA TULSA, OK 74136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.06% |
| DIANNA S ROBERTSON3 | 7421 N W 105TH STREET OKLAHOMA CITY, OK 73162 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD INSURANCE COMPANY | $4K | $593 | $4K | 11.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | LEGALPLANS USA | $0 | $4K | $4K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 50 BRAINTREE OFFICE PARK BRAINTREE, MA 02184 | COLONIAL LIFE & ACCIDENT INS. CO | $673 | $0 | $673 | 2.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | COLONIAL LIFE & ACCIDENT INS. CO | $577 | $65 | $642 | 2.52% |
| BRIAN LESSARD3 | P.O. BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE & ACCIDENT INS. CO | $271 | $0 | $271 | 1.06% |
| JOY LINDER3 | 20 RICH ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INS. CO | $244 | $10 | $254 | 1.00% |
| DONNA G MOLET3 | 274 ASH STREET WINCHENDON, MA 01475 | COLONIAL LIFE & ACCIDENT INS. CO | $192 | $15 | $207 | 0.81% |
| JASON HARTMAN3 Filed as: JASON C SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INS. CO | $175 | $0 | $175 | 0.69% |
| STEPHEN QUITADAMO3 | 3 KELLY STREET AUBURN, MA 01501 | COLONIAL LIFE & ACCIDENT INS. CO | $129 | $19 | $148 | 0.58% |
| CHRISTINE GORDON3 | 73 WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INS. CO | $145 | $0 | $145 | 0.57% |
| LISA M AMBRUSON3 | P.O. BOX 1222 WARREN, MA 01083 | COLONIAL LIFE & ACCIDENT INS. CO | $116 | $7 | $123 | 0.48% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INS. CO | $102 | $18 | $120 | 0.47% |
| MICHAEL S OBERLANDER3 | P.O. BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INS. CO | $113 | $0 | $113 | 0.44% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DRIVE GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INS. CO | $28 | $0 | $28 | 0.11% |
| GEORGE POURIA3 | 22 SANBORN TERRACE AMESBURY, MA 01913 | COLONIAL LIFE & ACCIDENT INS. CO | $17 | $0 | $17 | 0.07% |
| KRISTEN V LESSARD3 | P.O. BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE & ACCIDENT INS. CO | $11 | $0 | $11 | 0.04% |
| DB INSURANCE INC3 | 10 PEACH TREE LANE DANVERS, MA 01923 | COLONIAL LIFE & ACCIDENT INS. CO | $3 | $0 | $3 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $633 | $0 | $633 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02116 | FIRST RELIANCE STANDARD INS. CO | $71 | $0 | $71 | 11.08% |
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 | 1,181 | 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) | RELIANCE STANDARD INSURANCE COMPANY | 1,195 | $222K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 2,774 | $132K |
| Life insurance | RELIANCE STANDARD INSURANCE COMPANY | 1,197 | $525K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 1,195 | $222K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INS. CO. | 2,704 | $745K |
| Other(8 contracts, 8 carriers) | UNUM LIFE INS. COMPANY OF AMERICA | 1,418 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,774 | — |
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.