| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDIGO INSURANCE SVC3 | 446 MAIN STREET 5TH FLOOR WORCESTER, MA 01608 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.00% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS | 33 BURNCOAT STREET WORCESTER, MA 01605 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.32% |
| CUSHMAN INSURANCE INC3 Filed as: CUSHMAN INSURANCE INC. | PO BOX 3009 BROCKTON, MA 02304 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVE FL 21 NEW YORK, NY 101730401 | VISION SERVICE PLAN | $959 | $0 | $959 | 6.62% |
| BRADFORD M LYTTLE3 | PO BOX 1461 PEMBROKE, MA 02359 | AFLAC | $559 | $16 | $575 | 8.88% |
| ERIC LOGAN3 Filed as: ERIC DOUGLAS LOGAN | 62 WALNUT STREET BRAINTREE, MA 02184 | AFLAC | $339 | $0 | $339 | 5.23% |
| MICHAEL P TORTOLANI3 Filed as: MICHAEL TORTOLANI | 8 NORTH MAIN STREET ATTLEBORO, MA 02703 | AFLAC | $247 | $0 | $247 | 3.81% |
| KAREN TUCCI3 | 73 STETSON DRIVE MARLBOROUGH, MA 01752 | AFLAC | $81 | $3 | $84 | 1.30% |
| SHAW ASSOCIATES INC3 | 222 FORBES ROAD STE 100 BRAINTREE, MA 02184 | AFLAC | $42 | $0 | $42 | 0.65% |
| WEX INC3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $34 | $0 | $34 | 0.52% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $33 | $0 | $33 | 0.51% |
| THOMAS E ACKERMAN II3 | 30 WHEELER ROAD RUTLAND, MA 01543 | AFLAC | $9 | $0 | $9 | 0.14% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE ROAD HOLLISTON, MA 01746 | AFLAC | $1 | $0 | $1 | 0.02% |
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 | 307 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 307 | 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, INC. | 307 | $3.8M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 307 | $3.8M |
| Vision | VISION SERVICE PLAN | 134 | $14K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 347 | $73K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 347 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.
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.