| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FALLON HEALTH | $33K | — | $33K | 0.87% |
| JOHN P. FORAN INSURANCE AGENCY, INC3 Filed as: JOHN P FORAN | PO BOX 840 EAST DENNIS, MA 02641 | FALLON HEALTH | $16K | — | $16K | 0.42% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | FALLON HEALTH | $3K | — | $3K | 0.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $3K | — | $3K | 0.92% |
| JOHN P. FORAN INSURANCE AGENCY, INC3 Filed as: JOHN P FORAN | PO BOX 840 EAST DENNIS, MA 02641 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $1K | — | $1K | 0.44% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $229 | — | $229 | 0.08% |
| MICHAEL P TSOTSIS3 | 446 MAIN ST 19 FL WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.53% |
| RSC INSURANCE BROKERAGE INC3 | 446 MAIN ST 19 FL WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $551 | — | $551 | 0.69% |
| MICHEAL P TSOTSIS3 | 446 MAIN STREET 19 FL WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.18% |
| RSC INSURANCE BROKERAGE INC3 | 446 MAIN ST 19 FL WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.01% |
| WENDY POOLE PYNE3 Filed as: WENDY J POOLE PYNE | 206 EAST UNION STREET ASHLAND, MA 01721 | AFLAC | $1K | $4 | $1K | 9.43% |
| STEVEN R KARAS3 | 29 CRAFTS STREET SUITE 550 NEWTON, MA 02458 | AFLAC | $439 | $1 | $440 | 3.92% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $249 | $1 | $250 | 2.22% |
| BRIAN R ROBBINS3 | 2 PILGRIMS CIRCLE WARWICK, RI 02888 | AFLAC | $177 | — | $177 | 1.58% |
| WEX INC3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $135 | $1 | $136 | 1.21% |
| BRYAN T FITTS3 | 60 PERKINS STREET GLOUCESTER, MA 01930 | AFLAC | $86 | — | $86 | 0.77% |
| JOHN B DRZEWIECKI JR3 | 370 SOUTHSHIRE DRIVE BENNINGTON, VT 05201 | AFLAC | $73 | — | $73 | 0.65% |
| BRANDON R ROYCE3 | 29 CRAFTS STREET SUTIE 550 NEWTON, MA 02458 | AFLAC | $54 | — | $54 | 0.48% |
| KAREN TUCCI3 | 73 STETSON DRIVE MARLBOROUGH, MA 01752 | AFLAC | $24 | — | $24 | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 5 NEPONSET STREET THE RILEY BUILDING WORCESTER, MA 01606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $526 | — | $526 | 10.01% |
| R FINE & R FINE INS LLC3 | 370 MAIN STREET SUITE 880 WORCESTER, MA 01608 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.17% |
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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FALLON HEALTH | 665 | $4.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 38 | $5K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 38 | $5K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 365 | $79K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 311 | $56K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 365 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.