| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | AETNA LIFE INSURANCE COMPANY | $53K | — | $53K | 3.49% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC. | PO BOX 869 NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $821 | $4K | 9.56% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.62% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | VISION SERVICE PLAN | $893 | — | $893 | 6.37% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC. | PO BOX 869 NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $176 | $2K | 16.75% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | JAMES TIMOTHY KINNEY 400 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $328 | — | $328 | 6.55% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC. | P.O. BOX 869 NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $302 | — | $302 | 6.03% |
| FIRST INSURANCE3 Filed as: FIRST BENEFITS LLC | MICHAEL ROBERT ACKERMAN 150 E SWEDESFORD RD, SUITE 102 WAYNE, PA 190871458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53 | — | $53 | 1.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REIMBURSEMENT SPECIALISTS, INC. EIN 46-1120738 DENTAL CLAIMS ADMIN. | Claims processing; Contract Administrator Service code 12 | — | $22K |
| SENTINEL BENEFITS & FINANCIAL GROUP FSA ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | 100 QUANNAPOWITT PARKWAY SUITE 300 WAKEFIELD, MA 01880 | $5K |
| MEMBERS INSURANCE AGENCY LLC INSURANCE BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 845 DONALD LYNCH BLVD MARLBOROUGH, MA 01752 | $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 | 185 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 266 | $1.5M |
| Vision | VISION SERVICE PLAN | 100 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $53K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 185 | $21K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.