| 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 | $76K | $4K | $80K | 10.52% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O.BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD INSURANCE COMPANY | $34K | $3K | $36K | 10.75% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INS. COMPANY OF AMERICA | $15K | — | $15K | 7.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA BLVD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INS. COMPANY OF AMERICA | $11K | — | $11K | 5.75% |
| 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. | $13K | — | $13K | 10.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 75 ARLINGTON STREET FLOOR 10 BOSTON, MA 02116 | LEGALPLANS USA | — | $6K | $6K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O.BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD INSURANCE COMPANY | $5K | $441 | $6K | 10.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 25.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SRVCS INC | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $671 | — | $671 | 2.18% |
| JAMES A SMAARDYK3 | 13435 S MCCALL RD #16 BOX 327 PORT CHARLOTTE, FL 33981 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.08% |
| DIANNA S ROBERTSON3 | 7421 N W 105TH STREET OKLAHOMA CITY, OK 73162 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 50 BRAINTREE OFFICE PARK BRAINTREE, MA 02184 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $474 | — | $474 | 2.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $286 | — | $286 | 1.53% |
| BRIAN LESSARD3 | PO BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | — | $202 | 1.08% |
| JASON HARTMAN3 Filed as: JASON C SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.68% |
| DONNA G MOLET3 | 274 ASH STREET WINCHENDON, MA 01475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 0.60% |
| CHRISTINE GORDON3 | 123B WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.53% |
| MICHAEL S OBERLANDER3 | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.41% |
| STEPHEN QUITADAMO3 | 3 KELLY STREET AUBURN, MA 01501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.36% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.22% |
| LISA M AMBRUSON3 Filed as: LISA M. AMBRUSON | PO BOX 1222 WARREN, MA 01083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.16% |
| ELITE ADMINISTRATION3 | 1051 BENNETTS BRIDGE ROAD GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.09% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.09% |
| GEORGE POURIA3 | 22 SANBORN TERRACE AMESBURY, MA 01913 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| DB INSURANCE INC3 | 23 FRANKLIN STREET SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O.BOX 28852 NEW YORK, NY 100878852 | FIRST RELIANCE STANDARD INSURANCE COMPANY | $228 | $23 | $251 | 12.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 295 WOODCLIFF DRIVE FAIRPORT, NY 14450 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $1 | — | $1 | 1.85% |
| MICHAEL LYNCH3 | 10 KING GEORGE DRIVE BOXFORD, MA 01921 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $0 | — | $0 | 0.00% |
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 | 1,438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 58 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,503 | 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. | 2,869 | $116K |
| Life insurance | RELIANCE STANDARD INSURANCE COMPANY | 1,563 | $763K |
| Short-term disability | FIRST RELIANCE STANDARD INSURANCE COMPANY | 47 | $2K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 1,563 | $337K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INS.CO. | 3,485 | $706K |
| Other(9 contracts, 9 carriers) | UNUM LIFE INS. COMPANY OF AMERICA | 1,928 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,485 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.