| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $33K | $0 | $33K | 1.39% |
| INDIGO INSURANCE SERVICES3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 7.00% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | VISION SERVICE PLAN | $450 | $0 | $450 | 3.56% |
| CUSHMAN INSURANCE INC3 | PO BOX 3009 BROCKTON, MA 02304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 9.69% |
| BRADFORD M LYTTLE3 | PO BOX 1481 PEMBROKE, MA 02359 | AFLAC | $376 | $0 | $376 | 11.43% |
| MICHAEL P TORTOLANI3 | 8 N MAIN ST ATTLEBORO, MA 02703 | AFLAC | $106 | $0 | $106 | 3.22% |
| SHAW ASSOCIATES INC3 | 222 FORBES RD SUITE 100 BRAINTREE, MA 02184 | AFLAC | $46 | $0 | $46 | 1.40% |
| KAREN TUCCI3 | 73 STETSON DR MARLBOROUGH, MA 01752 | AFLAC | $19 | $0 | $19 | 0.58% |
| WEX INC3 | 11 STOCKDALE RD NEEDHAM, MA 02492 | AFLAC | $17 | $0 | $17 | 0.52% |
| DANIEL P CLARK3 | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $12 | $0 | $12 | 0.36% |
| MAUREEN E SNOW3 | 68 WINGATE RD HOLLISTON, MA 01746 | AFLAC | $4 | $0 | $4 | 0.12% |
| COMPREHENSIVE EMPLOYEE BENEFITS INC3 | 8 CHALMERS RD WORCESTER, MA 01602 | AFLAC | $4 | $0 | $4 | 0.12% |
| THOMAS E ACKERMAN II3 | 30 WHEELER RD RUTLAND, MA 01543 | AFLAC | $2 | $0 | $2 | 0.06% |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 568 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 568 | $2.4M |
| Vision | VISION SERVICE PLAN | 155 | $13K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 323 | $43K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 323 | $43K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 52 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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.