| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT J. WASKIEWICZ3 | 70 BROADWAY STREET WESTFORD, MA 01886 | THE STANDARD | $3K | — | $3K | 8.94% |
| FRED C. CHURCH INC.3 Filed as: FRED C. CHURCH | 41 WELLMAN ST. LOWELL, MA 01851 | THE STANDARD | $731 | — | $731 | 2.27% |
| ROBERT J. WASKIEWICZ3 | 70 BROADWAY STREET WESTFORD, MA 01886 | THE STANDARD | $1K | — | $1K | 6.30% |
| FRED C. CHURCH INC.3 Filed as: FRED C. CHURCH | 41 WELLMAN ST. LOWELL, MA 01851 | THE STANDARD | $433 | — | $433 | 1.98% |
| ROBERT J. WASKIEWICZ3 | 70 BROADWAY STREET WESTFORD, MA 01886 | THE STANDARD | $1K | — | $1K | 8.08% |
| FRED C. CHURCH INC.3 Filed as: FRED C. CHURCH | 41 WELLMAN ST. LOWELL, MA 01851 | THE STANDARD | $246 | — | $246 | 1.79% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE STANDARD | 115 | $22K |
| Short-term disability | THE STANDARD | 115 | $14K |
| Long-term disability | THE STANDARD | 115 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.