| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCWALTER VOLUNTEER BENEFITS3 | GROUP INC 30 MONUMENT SQ STE 135 CONCORD, MA 017421871 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 4.74% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFIT ADMINIST | 120 LONGWATER DR NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $246 | $3K | 14.44% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $983 | — | $983 | 5.00% |
| 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 | $198 | $3K | 16.25% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $791 | — | $791 | 5.00% |
| 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 DRIVE STE 102 BOSTON, MA 02061 | UNUM INSURANCE COMPANY | $1K | $153 | $1K | 9.12% |
| CONWAY, KEVIN3 | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | UNUM INSURANCE COMPANY | $861 | — | $861 | 5.67% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $649 | — | $649 | 4.27% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $369 | — | $369 | 2.43% |
| 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 DRIVE STE 102 BOSTON, MA 02061 | UNUM INSURANCE COMPANY | $961 | $80 | $1K | 8.13% |
| CONWAY, KEVIN3 | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | UNUM INSURANCE COMPANY | $673 | — | $673 | 5.25% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $288 | — | $288 | 2.25% |
| 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 | $755 | $94 | $849 | 11.25% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $376 | — | $376 | 4.98% |
| 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 DRIVE STE 102 BOSTON, MA 02061 | UNUM INSURANCE COMPANY | $505 | $68 | $573 | 8.47% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $423 | — | $423 | 6.25% |
| CONWAY, KEVIN3 | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | UNUM INSURANCE COMPANY | $351 | — | $351 | 5.19% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $151 | — | $151 | 2.23% |
| 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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNUM INSURANCE COMPANY | 68 | $35K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 147 | $56K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 147 | $56K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $23K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $20K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $20K |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.