| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICS | 117 KENDRICK STREET SUITE 300 NEEDHAM, MA 02494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 11.53% |
| NEESNROLL5 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.68% |
| ACCESS ENROLL5 | 33 LANDAU RD PLAINVILLE, MA 02762 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.68% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWITH INSURANCE SERVICE | 117 KENDRICK STREET SUITE 300 NEEDHAM, MA 02494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.86% |
| NEESENROLL5 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.74% |
| ACCESS ENROLL5 | 33 LANDAU RD PLAINVILLE, MA 02762 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.78% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE SUITE 215 FT. WASHINGTON, PA 19034 | EYEMED | $2K | — | $2K | 6.68% |
| PFG BENEFITS, INC.3 Filed as: PFG BENEFITS | 117 KENDRICK STREET SUITE 300 NEEDHAM, MA 02494 | EYEMED | $769 | — | $769 | 2.56% |
| ACCESS ENROLL5 | 33 LANDAU RD PLAINVILLE, MA 02762 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 0.12% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 117 KENDRICK STREET SUITE 300 NEEDHAM, MA 02494 | PROVIDENT LIFE AND ACCIDENT INSRUANCE COMPANY | $36 | — | $36 | 2.69% |
| ACCESS ENROLL5 | 33 LANDAU RD PLAINVILLE, MA 02762 | PROVIDENT LIFE AND ACCIDENT INSRUANCE COMPANY | $21 | — | $21 | 1.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PFG BENEFITS EIN 47-2257650 INSURANCE AGENT | Custodial (securities) Service code 19 | 75 SECOND AVE NEEDHAM, MA 02494 | $122K |
| LUCENT HEALTH SOLUTIONS EIN 39-1997579 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 5560 W GRANDE MARKET DRIVE APPLETON, WI 54913 | $89K |
| 6 DEGREES HEALTH EIN 81-4242649 OTHER | Other fees Service code 99 | 5800 NE PINEFARM CT SUITE 20 HILLSBOROUGH, OR 97124 | $50K |
| HEALTHEAOS EIN 39-1634080 OTHER | Other fees Service code 99 | PO BOX 29380 NEW YORK, NY 10087 | $15K |
| NARUS HEALTH, INC. EIN 47-1929604 OTHER | Other fees Service code 99 | 424 CHURCH STREET NASHVILLE, TN 37219 | $10K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 OTHER | Other fees Service code 99 | PO BOX 360142 PITTSBURGH, PA 15250 | $5K |
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 | 203 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 170 | $30K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $77K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $72K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $72K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF AMERICA | 203 | $685K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.