| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $47K | $47K | 2.71% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 16.71% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 10.52% |
| SONYA L KINCH3 | 470 PLEASANT STREET NORWOOD, MA 02062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $857 | $146 | $1K | 9.08% |
| MCNEIL VOLUNTARY BENEFITS GROUP3 | 9 ACORN CIRCLE MEDFIELD, MA 02052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $121 | $303 | 2.74% |
| CHRISTINA MARIE KONCZESKI3 | 15805 GLENARN DRIVE TAMPA, FL 33618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | $0 | $183 | 1.66% |
| ROBERT S. TAPPAN3 Filed as: ROBERT S TAPPAN | 300 OHIO AVENUE MANCHASTER, NH 03104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | $0 | $162 | 1.47% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INC | PO BOX 820 BRATTLEBORO, VT 05302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $0 | $146 | 1.32% |
| JOSEPH P. ANDREWS3 Filed as: JOSEPH P ANDREWS AND MISC. AGENTS | 86 NASHUA ROAD, SUITE 1311 LONDONDERRY, NH 03053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.32% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | VISION SERVICE PLAN | $685 | $0 | $685 | 7.88% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $1.8M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $82K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $71K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $71K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $1.8M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.