| 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 | 4.48% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFIT ADMINIST | 120 LONGWATER DR NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $237 | $3K | 16.25% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $949 | $949 | 5.00% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | STE 350 3700 PARK EAST DRIVE 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 | $219 | $3K | 15.45% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $876 | $876 | 5.00% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | STE 350 3700 PARK EAST DRIVE 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 | $94 | $1K | 8.13% |
| CONWAY, KEVIN3 | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | UNUM INSURANCE COMPANY | $786 | — | $786 | 5.25% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $337 | — | $337 | 2.25% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | STE 350 3700 PARK EAST DRIVE 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 | $1K | $104 | $1K | 8.24% |
| CONWAY, KEVIN3 | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | UNUM INSURANCE COMPANY | $733 | — | $733 | 5.23% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $313 | — | $313 | 2.23% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $273 | — | $273 | 1.95% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | STE 350 3700 PARK EAST DRIVE 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 | $157 | $1K | 11.25% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $627 | $627 | 5.00% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | STE 350 3700 PARK EAST DRIVE 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 | $574 | $66 | $640 | 8.39% |
| CONWAY, KEVIN3 | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | UNUM INSURANCE COMPANY | $401 | — | $401 | 5.26% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $371 | — | $371 | 4.87% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $172 | — | $172 | 2.26% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | STE 350 3700 PARK EAST DRIVE 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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNUM INSURANCE COMPANY | 63 | $37K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 176 | $60K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 176 | $60K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $32K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29 | $18K |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.