| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 1100 ELM STREET, SUITE 100 MANCHESTER, NH 03101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.91% |
| LYNN FEAZEL3 Filed as: LYNN S. FEAZEL | 150A ANDOVER STREET, SUITE 12C DANVERS, MA 01923 | AFLAC | $5K | $314 | $6K | 10.15% |
| CHRISTOPHER C FEAZEL3 Filed as: CHRISTOPHER C. FEAZEL | 150A ANDOVER STREET SUITE 12C DANVERS, MA 01923 | AFLAC | $2K | $70 | $2K | 3.59% |
| LINDA DELONG3 Filed as: LINDA J. DELONG | 115 FARRWOOD DRIVE HAVERHILL, MA 01835 | AFLAC | $781 | $0 | $781 | 1.42% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $543 | $0 | $543 | 0.99% |
| MARTINS NGANDJUI & OTHER AGENTS3 | 120 EASTERN AVENUE LYNN, MA 01902 | AFLAC | $351 | $7 | $358 | 0.65% |
| RAFAEL DAVID DILONE3 | 11 WADSWORTH STREET DANVERS, MA 01923 | AFLAC | $308 | $0 | $308 | 0.56% |
| THERESA DEMERS3 | PO BOX 549 MARLBOROUGH, NH 03455 | AFLAC | $277 | $29 | $306 | 0.56% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $193K |
| Life insurance | AFLAC | 43 | $55K |
| Short-term disability | AFLAC | 43 | $55K |
| Other | AFLAC | 43 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
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.