| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROCTOR AND CO. INS. AGENCY, INC.3 Filed as: PROCTOR & COMPANY | 205 NEWBURY ST #407 FRAMINGHAM, MA 01701 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $20K | $5K | $24K | 1.52% |
| EASTERN INSURANCE GROUP LLC3 | 233 W CENTRAL ST NATICK, MA 01760 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $14K | $7K | $21K | 1.34% |
| PROCTOR AND CO. INS. AGENCY, INC.3 Filed as: PROCTOR & COMPANY | 205 NEWBURY ST. #407 FRAMINGHAM, MA 01701 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $3K | $0 | $3K | 2.36% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | 233 W CENTRAL ST NATICK, MA 01767 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $2K | $0 | $2K | 1.23% |
| BRANDON R ROYCE3 | 29 CRAFTS ST STE 550 NEWTON, MA 02458 | AFLAC | $3K | $120 | $3K | 7.89% |
| STEVEN R KARAS3 | 29 CRAFTS ST STE 550 NEWTON, MA 02458 | AFLAC | $1K | $24 | $1K | 3.56% |
| PROCTOR & COMPANY INSURANCE AGENCY3 | 205 NEWBURY ST. STE 407 FRAMINGHAM, MA 01701 | AFLAC | $1K | $0 | $1K | 3.26% |
| WEX INC3 | 11 STOCKDALE RD NEEDHAM, MA 02492 | AFLAC | $481 | $24 | $505 | 1.32% |
| STEVE HEROUX ENTERPRISES3 Filed as: STEVE HEROUX ENTERPRISES INC | 11484 EASTRIDGE PL SAN DIEGO, CA 92131 | AFLAC | $375 | $0 | $375 | 0.98% |
| DANIEL P CLARK3 | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $289 | $8 | $297 | 0.78% |
| KAREN TUCCI3 | 73 STETSON DR MARLBOROUGH, MA 01752 | AFLAC | $153 | $0 | $153 | 0.40% |
| JOHN B DRZEWIECKI JR3 | 370 SOUTHSHIRE DR BENNINGTON, VT 05201 | AFLAC | $93 | $0 | $93 | 0.24% |
| JOHN J HINDS3 | 12 HONEYSUCKLE LANE GOFFSTOWN, NH 03045 | AFLAC | $77 | $0 | $77 | 0.20% |
| MARK W SHAFER3 | 17 HEMLOCK FOREST DOVER, NH 03820 | AFLAC | $41 | $0 | $41 | 0.11% |
| MICHAEL P SPEISMAN3 | 5 WEST ST. NATICK, MA 01760 | AFLAC | $40 | $0 | $40 | 0.10% |
| DAVID A FOX3 | 129 PENACOOK ST. CONCORD, NH 03301 | AFLAC | $22 | $0 | $22 | 0.06% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $3 | $0 | $3 | 0.01% |
| BRANDON R ROYCE3 | 29 CRAFTS ST STE 550 NEWTON, MA 02458 | AFLAC | $2K | $155 | $2K | 10.01% |
| STEVEN R KARAS3 | 29 CRAFTS ST STE 550 NEWTON, MA 02458 | AFLAC | $691 | $31 | $722 | 4.22% |
| PROCTOR & COMPANY INSURANCE AGENCY3 | 205 NEWBURY ST STE 407 FRAMINGHAM, MA 01701 | AFLAC | $611 | $0 | $611 | 3.57% |
| WEX INC3 Filed as: WEX INC. | 11 STOCKDALE RD NEEDHAM, MA 02492 | AFLAC | $314 | $31 | $345 | 2.01% |
| DANIEL P CLARK3 | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $142 | $17 | $159 | 0.93% |
| STEVE HEROUX ENTERPRISES3 Filed as: STEVE HEROUX ENTERPRISES INC | 11484 EASTRIDGE PL SAN DIEGO, CA 92131 | AFLAC | $159 | $0 | $159 | 0.93% |
| JOHN B DRZEWIECKI JR3 Filed as: JOHN B DREZEWIECKI JR | 370 SOUTHSHIRE DR BENNINGTON, VT 05201 | AFLAC | $62 | $0 | $62 | 0.36% |
| MICHAEL P SPEISMAN3 | 5 WEST ST NATICK, MA 01760 | AFLAC | $62 | $0 | $62 | 0.36% |
| KAREN TUCCI3 | 73 STETSON RD MARLBOROUGH, MA 01752 | AFLAC | $35 | $0 | $35 | 0.20% |
| GIARRATANA JR, JOHN V3 | PO BOX 225 GEORGETOWN, MA 01833 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 30.52% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $167 | $0 | $167 | 2.73% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND AUTO DEALERS | CHARLES MUISE MGR TRUSTEE EAST BRIDGEWATER, MA 02333 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $159 | $159 | 2.60% |
| GIARRATANA JR, JOHN V3 | PO BOX 255 GEORGETOWN, MA 01833 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | $0 | $3K | 62.12% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 33.87% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND AUTO DEALERS | CHARLES MUISE MGR TRUSTEE EAST BRIDGEWATER, MA 02333 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $239 | $239 | 4.65% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICANFIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | $0 | $4K | 149.77% |
| MSADA3 | ATTN ROBERT OKONIEWSKI EXEC VP BOSTON, MA 02109 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $109 | $109 | 4.52% |
| R L TENNANT INSURANCE AGENCY, INC.3 Filed as: R L TENNANT INSURANCE AGENCY INC | 1149 WASHINGTON ST NEWTON, MA 02460 | AMERICAN FIDELITY ASSURANCE COMPANY | $83 | $0 | $83 | 3.44% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 155 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 151 | $145K |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 55 | $11K |
| Long-term disability(3 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 55 | $14K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 155 | $1.6M |
| Other(5 contracts, 2 carriers) | AFLAC | 60 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.