| 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. | $175 | — | $175 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INSURANCE SVCS | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INS. CO. | $57 | — | $57 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD INSURANCE COMPANY | $52K | $6K | $58K | 11.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD INSURANCE COMPANY | $35K | $3K | $39K | 18.05% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK, INC. | 2122 KRATKY RD. ST. LOUIS, MO 63114 | UNUM LIFE INS. COMPANY OF AMERICA | $10K | — | $10K | 7.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | UNUM LIFE INS. COMPANY OF AMERICA | $10K | — | $10K | 7.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $8K | — | $8K | 7.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $4K | — | $4K | 3.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | LEGALPLANS USA | — | $6K | $6K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD INSURANCE COMPANY | $4K | $578 | $4K | 11.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.00% |
| MICHAEL LYNCH3 | 10 KING GEORGE DRIVE BOXFORD, MA 01921 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.49% |
| JAMES A SMAARDYK3 | 2831 CEDAR HILLS LANE TWIN LAKES, MI 49457 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.13% |
| FOX FINANCIAL CONSULTANTS INC3 | 6304 E 75TH STREETTULSA TULSA, OK 74136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.06% |
| DIANNA S ROBERTSON3 | 7421 N W 105TH STREET OKLAHOMA CITY, OK 73162 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 25.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 50 BRAINTREE OFFICE PARK BRAINTREE, MA 02184 | COLONIAL LIFE & ACCIDENT INS. CO | $574 | — | $574 | 2.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | COLONIAL LIFE & ACCIDENT INS. CO | $325 | $7 | $332 | 1.35% |
| BRIAN LESSARD3 | PO BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE & ACCIDENT INS. CO | $236 | — | $236 | 0.96% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INS. CO | $150 | $84 | $234 | 0.95% |
| DONNA G MOLET3 | 274 ASH STREET WINNCHENDON, MA 01475 | COLONIAL LIFE & ACCIDENT INS. CO | $176 | $5 | $181 | 0.74% |
| JASON HARTMAN3 Filed as: JASON C SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INS. CO | $154 | — | $154 | 0.63% |
| STEPHEN QUITADAMO3 | 3 KELLY STREET AUBURN, MA 01501 | COLONIAL LIFE & ACCIDENT INS. CO | $126 | $0 | $126 | 0.51% |
| CHRISTINE GORDON3 | 73 WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INS. CO | $126 | — | $126 | 0.51% |
| MICHAEL S OBERLANDER3 Filed as: MICHAEL OBERLANDER | PO BOX 171 REHEOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INS. CO | $97 | — | $97 | 0.39% |
| JOY LINDER3 | 20 RICH ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INS. CO | $93 | $2 | $95 | 0.39% |
| RICHARD HASKINS3 | 22 WEST STREET MILBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INS. CO | $52 | $3 | $55 | 0.22% |
| LISA M AMBRUSON3 Filed as: LISA AMBRUSON | PO BOX 1222 WARREN, MA 01083 | COLONIAL LIFE & ACCIDENT INS. CO | $30 | $0 | $30 | 0.12% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DRIVE BRAINTREE, MA 02184 | COLONIAL LIFE & ACCIDENT INS. CO | $24 | — | $24 | 0.10% |
| GEORGE POURIA3 | 22 SANBORN TERRACE AMESBURY, MA 01913 | COLONIAL LIFE & ACCIDENT INS. CO | $12 | — | $12 | 0.05% |
| KRISTEN V LESSARD3 | PO BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE & ACCIDENT INS. CO | $6 | — | $6 | 0.02% |
| DB INSURANCE INC3 | 26 HOURIHAN STREET UNIT 2 PEABODY, MA 01960 | COLONIAL LIFE & ACCIDENT INS. CO | $2 | — | $2 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02116 | FIRST RELIANCE STANDARD INSURANCE COMPANY | $295 | $10 | $305 | 11.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $54 | — | $54 | 8.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $10 | — | $10 | 1.59% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | THE PAUL REVERE LIFE INSURANCE COMPANY | $145 | $25 | $170 | — |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $99 | — | $99 | — |
| STEPHEN QUITADAMO3 | 3 KELLY STREET AUBURN, MA 01501 | THE PAUL REVERE LIFE INSURANCE COMPANY | $57 | — | $57 | — |
| DONNA G MOLET3 | 274 ASH STREET WINCHENDON, MA 01475 | THE PAUL REVERE LIFE INSURANCE COMPANY | $47 | $1 | $48 | — |
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 | 1,211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 40 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANCE STANDARD INSURANCE COMPANY | 1,181 | $215K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 2,788 | $111K |
| Life insurance | RELIANCE STANDARD INSURANCE COMPANY | 1,181 | $516K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 1,181 | $215K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INS. CO. | 2,682 | $648K |
| Other(9 contracts, 9 carriers) | UNUM LIFE INS. COMPANY OF AMERICA | 1,440 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,788 | — |
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.