| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NYC LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $69K | $21K | $90K | 2.16% |
| INDIGO INSURANCE SERVICES3 | 446 MAIN STREET 5TH FLOOR WORCESTER, MA 01608 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.00% |
| CUSHMAN INSURANCE INC3 Filed as: CUSHMAN INSURANCE IN | PO BOX 3009 BROCKTON, MA 02304 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $959 | $0 | $959 | 3.09% |
| EMPLOYEE BENEFITS ADVISOR3 Filed as: EMPLOYEE BENEFIT ADV | 33 BURNCOAT STREET WORCESTER, MA 01605 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $817 | $0 | $817 | 2.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | VISION SERVICE PLAN | $1K | — | $1K | 5.65% |
| BRADFORD M LYTTLE3 Filed as: BRADFORD LYTTLE | PO BOX 1461 PEMBROKE, MA 02359 | AFLAC | $598 | $5 | $603 | 7.81% |
| MICHAEL P TORTOLANI3 Filed as: MICHAEL TORTOLANI | 8 N MAIN STREET ATTLEBORO, MA 02703 | AFLAC | $281 | $0 | $281 | 3.64% |
| MECHELE HURST3 | 40 STONEHILL STREET BROCKTON, MA 02301 | AFLAC | $162 | $1 | $163 | 2.11% |
| ERIC LOGAN3 | 63 WALNUT STREET BRAINTREE, MA 02184 | AFLAC | $82 | $13 | $95 | 1.23% |
| KAREN TUCCI3 | 73 STETSON DRIVE MARLBOROUGH, MA 01752 | AFLAC | $76 | — | $76 | 0.98% |
| SHAW ASSOCIATES INC3 Filed as: SHAW ASSOCIATES INC. | 222 FORBES RD STE 110 BRAINTREE, MA 02184 | AFLAC | $53 | $5 | $58 | 0.75% |
| WEX INC3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $40 | $0 | $40 | 0.52% |
| DANIEL P CLARK3 Filed as: DANIEL CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $38 | $0 | $38 | 0.49% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE ROAD HOLLISTON, MA 01746 | AFLAC | $13 | $0 | $13 | 0.17% |
| THOMAS E ACKERMAN II3 Filed as: THOMAS ACKERMAN II | 30 WHEELER ROAD RUTLAND, MA 01543 | AFLAC | $10 | $0 | $10 | 0.13% |
| COMPREHENSIVE EMPLOYEE BENEFITS INC3 | 8 CHALMERS ROAD WORCHESTER, MA 01602 | AFLAC | $10 | $0 | $10 | 0.13% |
| NATHAN A HUMMER3 Filed as: NATHAN HUMMER | 5 WEBBER ROAD WESTFORD, MA 01886 | AFLAC | $1 | — | $1 | 0.01% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 337 | $4.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 337 | $4.2M |
| Vision | VISION SERVICE PLAN | 165 | $21K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 365 | $31K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 365 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.