| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852,P.O.BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD INSURANCE COMPANY | $57K | — | $57K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852,P.O.BOX 28852 NEW YORK, NY 100878852 | RELAINCE STANDARD INSURANCE COMPANY | $25K | — | $25K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852,PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INS. COMPANY OF AMERICA | $17K | — | $17K | 12.89% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK,INC. | 2122 KRATKY RD. ST.LOUIS, MO 63114 | UNUM LIFE INS. COMPANY OF AMERICA | $4K | — | $4K | 3.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY,LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | UNUM LIFE INS. COMPANY OF AMERICA | -$63 | — | -$63 | -0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE-BOSTON, MA | LOCKBOX 28852,PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS.CO. | $10K | — | $10K | 9.27% |
| 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. | $2K | — | $2K | 1.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | LEGALPLANS USA | — | $6K | $6K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852,P.O.BOX 28852 NEW YORK, NY 100878852 | RELAINCE STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SRVCS INC | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $600 | — | $600 | 2.18% |
| JAMES A SMAARDYK3 | 13435 S MCCALL RD #16 BOX 327 PORT CHARLOTTE, FL 33981 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.07% |
| DIANNA S ROBERTSON3 | 7421 N W 105TH STREET OKLAHOMA CITY, OK 73162 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 50 BRAINTREE OFFICE PARK BRAINTREE, MA 02184 | COLONIAL LIFE & ACCIDENT INS.CO. | $541 | — | $541 | 2.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | COLONIAL LIFE & ACCIDENT INS.CO. | $317 | — | $317 | 1.60% |
| BRIAN LESSARD3 | PO BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE & ACCIDENT INS.CO. | $238 | — | $238 | 1.20% |
| JASON HARTMAN3 Filed as: JASON C SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INS.CO. | $153 | — | $153 | 0.77% |
| DONNA G MOLET3 | 274 ASH STREET WINNCHENDON, MA 01475 | COLONIAL LIFE & ACCIDENT INS.CO. | $127 | — | $127 | 0.64% |
| CHRISTINE GORDON3 | 73 WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INS.CO. | $115 | — | $115 | 0.58% |
| MICHAEL S OBERLANDER3 Filed as: MICHAEL OBERLANDER | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INS.CO. | $90 | — | $90 | 0.45% |
| STEPHEN QUITADAMO3 | 3 KELLY STREET AUBURN, MA 01501 | COLONIAL LIFE & ACCIDENT INS.CO. | $75 | — | $75 | 0.38% |
| JOY LINDER3 | 20 RICH ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INS.CO. | $67 | — | $67 | 0.34% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INS.CO. | $47 | — | $47 | 0.24% |
| LISA M AMBRUSON3 Filed as: LISA AMBRUSON | PO BOX 1222 WARREN, MA 01083 | COLONIAL LIFE & ACCIDENT INS.CO. | $32 | — | $32 | 0.16% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INS.CO. | $18 | — | $18 | 0.09% |
| ELITE ADMINISTRATION & OTHER AGENTS3 Filed as: ELITE AAMINSITRATION | 313 HARKINS BLUFF DRIVE GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INS.CO. | $18 | — | $18 | 0.09% |
| GEORGE POURIA3 | 22 SANBORN TERRACE AMESBURY, MA 01913 | COLONIAL LIFE & ACCIDENT INS.CO. | $7 | — | $7 | 0.04% |
| DB INSURANCE INC3 | 23 FRANKLIN STREET SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INS.CO. | $2 | — | $2 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852,P.O.BOX 28852 NEW YORK, NY 100878852 | FIRST RELIANCE STANDARD INSURANCE COMPANY | $169 | — | $169 | 10.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | FIRST RELIANCE STANDARD INSURANCE COMPANY | — | $85 | $85 | 5.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 295 WOODCLIFF DRIVE FAIRFORT, NY 14450 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $3 | — | $3 | 0.92% |
| MICHAEL LYNCH3 | 10 KING GEORGE DRIVE BOXFORD, MA 01921 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $2 | — | $2 | 0.61% |
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 | 1,202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 40 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,262 | 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. | 2,786 | $114K |
| Life insurance | RELIANCE STANDARD INSURANCE COMPANY | 1,232 | $572K |
| Short-term disability | FIRST RELIANCE STANDARD INSURANCE COMPANY | 52 | $2K |
| Long-term disability | RELAINCE STANDARD INSURANCE COMPANY | 1,231 | $252K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INS.CO. | 2,677 | $779K |
| Other(8 contracts, 8 carriers) | UNUM LIFE INS. COMPANY OF AMERICA | 1,556 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,786 | — |
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."
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.