| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | 1100 ELM STREET MANCHESTER, NH 03101 | MATTHEW THORNTON HEALTH PLAN, INC. | $47K | $19K | $67K | 3.46% |
| FIAI INC3 | 1100 ELM STREET MANCHESTER, NH 03101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 3.92% |
| LYNN FEAZEL3 | 150A ANDOVER STREET, SUITE 12C DANVERS, MA 01923 | AFLAC | $9K | $106 | $9K | 17.45% |
| CHRISTOPHER C FEAZEL3 Filed as: CHRISTOPHER FEAZEL | 150A ANDOVER STREET, SUITE 12C DANVERS, MA 01923 | AFLAC | $3K | $25 | $3K | 5.36% |
| DAVID J MCCLELLAN3 Filed as: DAVID HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $2K | $25 | $2K | 3.21% |
| LINDA DELONG3 | 150A ANDOVER STREET, SUITE 12C DANVERS, MA 01923 | AFLAC | $1K | $0 | $1K | 2.59% |
| MJ INSURANCE3 Filed as: STEVEN KARAS AND VARIOUS AGENTS | 222 WARD STREET NEWTON, MA 02459 | AFLAC | $96 | $12 | $108 | 0.21% |
| BARBARA A. LEONE INC3 Filed as: BARBARA LEONE INC | 14 SHEPPARD ROAD SAGAMORE BEACH, MA 02562 | AFLAC | $67 | $0 | $67 | 0.13% |
| PETER BLEIBERG3 | 960 WALTHAM STREET, APARTMENT 170 LEXINGTON, MA 02421 | AFLAC | $45 | $0 | $45 | 0.09% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MATTHEW THORNTON HEALTH PLAN, INC. | 309 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $183K |
| Vision | MATTHEW THORNTON HEALTH PLAN, INC. | 309 | $1.9M |
| Life insurance | AFLAC | 36 | $51K |
| Short-term disability | AFLAC | 36 | $51K |
| Prescription drug | MATTHEW THORNTON HEALTH PLAN, INC. | 309 | $1.9M |
| Other | AFLAC | 36 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.