| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDIGO INSURANCE SVC3 | 5TH FLOOR 446 MAIN STREET WORCESTER, MA 01608 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.00% |
| EMPLOYEE BENEFITS ADVISOR3 Filed as: EMPLOYEE BENEFIT ADV | 33 BURNCOAT STREET WORCESTER, MA 01605 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.33% |
| CUSHMAN INSURANCE INC3 Filed as: CUSHMAN INSURANCE IN | PO BOX 3009 1776 MAIN STREET BROCKTON, MA 02304 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.33% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS, INC | 33 BURNCOAT STREET WORCESTER, MA 01605 | HARLEYSVILLE LIFE INSURANCE COMPANY | $5K | — | $5K | 9.15% |
| CUSHMAN INSURANCE INC3 | PO BOX 3009 1776 MAIN STREET BROCKTON, MA 02304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| BRADFORD M LYTTLE3 | PO BOX 1461 PEMBROKE, MA 02359 | AFLAC | $481 | — | $481 | 6.77% |
| MICHAEL P TORTOLANI3 | 8 N MAIN STREET ATTLEBORO, MA 02703 | AFLAC | $317 | — | $317 | 4.46% |
| KAREN TUCCI3 | 73 STETSON DRIVE MARLBOROUGH, MA 01752 | AFLAC | $83 | — | $83 | 1.17% |
| WEX INC3 Filed as: WEX INC. | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $43 | — | $43 | 0.60% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $42 | — | $42 | 0.59% |
| THOMAS E ACKERMAN II3 Filed as: THOMAS E ACHERMAN III | 30 WHEELER ROAD RUTLAND, MA 01543 | AFLAC | $13 | — | $13 | 0.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | VISION SERVICES PLAN | $471 | — | $471 | 10.01% |
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 | 303 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS, INC. | 303 | $3.6M |
| Dental | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS, INC. | 303 | $3.6M |
| Vision | VISION SERVICES PLAN | 84 | $5K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 40 | $23K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 350 | $127K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 350 | $127K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 40 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.