| 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 | RELIANCE STANDARD INSURANCE COMPANY | $52K | $6K | $58K | 11.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD INSURANCE COMPANY | $39K | $3K | $42K | 17.85% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK, INC. | 2122 KRATKY RD. ST. LOUIS, MO 63114 | UNUM LIFE INS. COMPANY OF AMERICA | $10K | — | $10K | 7.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | UNUM LIFE INS. COMPANY OF AMERICA | $10K | — | $10K | 7.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $10K | — | $10K | 9.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | LEGALPLANS USA | — | $5K | $5K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD INSURANCE COMPANY | $4K | $568 | $5K | 11.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 50 BRAINTREE OFFICE PARK BRAINTREE, MA 02184 | COLONIAL LIFE & ACCIDENT INS. CO. | $581 | — | $581 | 2.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | COLONIAL LIFE & ACCIDENT INS. CO. | $327 | $3 | $330 | 1.42% |
| BRIAN LESSARD3 | PO BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE & ACCIDENT INS. CO. | $251 | — | $251 | 1.08% |
| JASON HARTMAN3 Filed as: JASON C SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INS. CO. | $162 | — | $162 | 0.70% |
| DONNA G MOLET3 | 274 ASH STREET WINNCHENDON, MA 01475 | COLONIAL LIFE & ACCIDENT INS. CO. | $146 | — | $146 | 0.63% |
| CHRISTINE GORDON3 | 73 WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INS. CO. | $128 | — | $128 | 0.55% |
| MICHAEL S OBERLANDER3 Filed as: MICHAEL OBERLANDER | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INS. CO. | $99 | — | $99 | 0.43% |
| STEPHEN QUITADAMO3 | 3 KELLY STREET AUBURN, MA 01501 | COLONIAL LIFE & ACCIDENT INS. CO. | $91 | $8 | $99 | 0.43% |
| JOY LINDER3 | 20 RICH ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INS. CO. | $78 | — | $78 | 0.33% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INS. CO. | $48 | $8 | $56 | 0.24% |
| RICHARD HASKINS3 | 22 WEST STREET MILBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INS. CO. | $52 | — | $52 | 0.22% |
| LISA M AMBRUSON3 Filed as: LISA AMBRUSON | PO BOX 1222 WARREN, MA 01083 | COLONIAL LIFE & ACCIDENT INS. CO. | $30 | — | $30 | 0.13% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DRIVE GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INS. CO. | $23 | — | $23 | 0.10% |
| GEORGE POURIA3 | 22 SANBORN TERRACE AMESBURY, MA 01913 | COLONIAL LIFE & ACCIDENT INS. CO. | $8 | — | $8 | 0.03% |
| DB INSURANCE INC3 | 23 FRANKLIN STREET SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INS. CO. | $2 | — | $2 | 0.01% |
| KRISTEN V LESSARD3 | PO BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE & ACCIDENT INS. CO. | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | FIRST RELIANCE STANDARD INSURANCE COMPANY | $311 | — | $311 | 11.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $121 | — | $121 | 10.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $92 | — | $92 | 9.52% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | $2 | $29 | 3.00% |
| STEPHEN QUITADAMO3 | 3 KELLY STREET AUBURN, MA 01501 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | — | $17 | 1.76% |
| DONNA G MOLET3 | 274 ASH STREET WINCHENDON, MA 01475 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | — | $17 | 1.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 50 BAINTREE HILL OFFICE PK, #310 BAINTREE, MA 02184 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $6 | — | $6 | 1.57% |
| MICHAEL LYNCH3 | 10 KING GEORGE DRIVE BOXFORD, MA 01921 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $3 | — | $3 | 0.79% |
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 | 1,220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 2,841 | $113K |
| Life insurance | RELIANCE STANDARD INSURANCE COMPANY | 1,211 | $518K |
| Short-term disability | FIRST RELIANCE STANDARD INSURANCE COMPANY | 46 | $3K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 1,211 | $238K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INS. CO. | 2,721 | $724K |
| Other(9 contracts, 9 carriers) | UNUM LIFE INS. COMPANY OF AMERICA | 1,536 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,841 | — |
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.