| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCWALTER VOLUNTEER BENEFITS3 | GROUP INC 30 MONUMNET SQ CONCORD, MA 017421858 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.46% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFIT ADMINIST | 120 LONGWATER DR NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $803 | $4K | 16.10% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $984 | $3K | 11.28% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFIT ADMINIST | 120 LONGWATER DR NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $449 | $3K | 17.72% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $502 | $2K | 10.35% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $3K | — | $3K | 19.73% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFIT ADMINIST | 120 LONGWATER DRIVE STE 102 BOSTON, MA 02061 | UNUM INSURANCE COMPANY | $1K | $122 | $1K | 7.78% |
| CONWAY, KEVIN3 | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | UNUM INSURANCE COMPANY | $766 | — | $766 | 4.87% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $616 | — | $616 | 3.92% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $1K | — | $1K | 10.33% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFIT ADMINIST | 120 LONGWATER DRIVE STE 102 BOSTON, MA 02061 | UNUM INSURANCE COMPANY | $892 | $75 | $967 | 8.14% |
| CONWAY, KEVIN3 | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | UNUM INSURANCE COMPANY | $624 | — | $624 | 5.25% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $376 | — | $376 | 3.16% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFIT ADMINIST | 120 LONGWATER DR NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $299 | $1K | 12.78% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $691 | $258 | $949 | 8.82% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $1K | — | $1K | 19.12% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFIT ADMINIST | 120 LONGWATER DRIVE STE 102 BOSTON, MA 02061 | UNUM INSURANCE COMPANY | $478 | $59 | $537 | 8.55% |
| CONWAY, KEVIN3 | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | UNUM INSURANCE COMPANY | $334 | — | $334 | 5.32% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $237 | — | $237 | 3.77% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM INSURANCE COMPANY | $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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNUM INSURANCE COMPANY | 63 | $34K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 148 | $64K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $27K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35 | $27K |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.