| 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 LIFE INSURANCE COMPANY | $79K | $10K | $89K | 11.27% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O.BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35K | $8K | $44K | 12.38% |
| 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 | $21K | — | $21K | 8.95% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INS. COMPANY OF AMERICA | $17K | — | $17K | 7.50% |
| 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. | $12K | — | $12K | 9.07% |
| 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 LIFE INSURANCE COMPANY | $5K | $1K | $7K | 12.51% |
| DIANNA S ROBERTSON3 | 7421 N W 105TH STREET OKLAHOMA CITY, OK 73162 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 50 BRAINTREE OFFICE PARK BRAINTREE, MA 02184 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $435 | — | $435 | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | — | $248 | 1.42% |
| BRIAN LESSARD3 | PO BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | — | $190 | 1.09% |
| JASON HARTMAN3 Filed as: JASON C SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.71% |
| DONNA ROSS SMITH3 | 2632 JUDES FERRY RD POWHANTAN, VA 23139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.71% |
| STEPHEN QUITADAMO3 | 3 KELLY STREET AUBURN, MA 01501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $3 | $98 | 0.56% |
| DONNA G MOLET3 | 58 SKY LANE LEOMINSTER, MA 01453 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 0.53% |
| CHRISTINE GORDON3 | 123B WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.51% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.42% |
| MICHAEL S OBERLANDER3 | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.40% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $3 | $43 | 0.25% |
| LISA M AMBRUSON3 Filed as: LISA M. AMBRUSON | PO BOX 1222 WARREN, MA 01083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.13% |
| ELITE ADMINISTRATION3 | 1051 BENNETTS BRIDGE ROAD GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.09% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.09% |
| SUSAN ANN NORQUIST3 | 14 BEECHWOOD DRIVE RUTLAND, MA 01543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.05% |
| 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 LIFE INSURANCE COMPANY | $959 | $47 | $1K | 11.54% |
| 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. | $90 | — | $90 | 9.62% |
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 | 1,643 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 61 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,716 | 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. | 2,657 | $133K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,601 | $789K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 45 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,600 | $355K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INS.CO. | 3,413 | $818K |
| Other(7 contracts, 7 carriers) | UNUM LIFE INS. COMPANY OF AMERICA | 1,922 | $458K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,413 | — |
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.