| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | 233 WEST ENTRAL STREET NATICK, MA 01760 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $46K | $11K | $57K | 2.95% |
| JOHN V. GIARRATANA JR.3 | 222 CAPE POINTE CIRCLE JUPITER, FL 33477 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | $0 | $5K | 4.60% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND AUTO DEALERS | UNKNOWN EAST BRIDGEWATER, MA 02333 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $377 | $377 | 0.32% |
| MASS FINANCIAL SERVICES INC. AGENCY3 Filed as: MASS STATE AUTO DEALERS ASSOCIATION | UNKNOWN BOSTON, MA 02109 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $208 | $208 | 0.17% |
| R L TENNANT INSURANCE AGENCY, INC.3 Filed as: RL TENNANT INSURANCE AGENCY INC | 1149 WASHINGTON STREET NEWTON, MA 02460 | AMERICAN FIDELITY ASSURANCE COMPANY | $93 | $0 | $93 | 0.08% |
| BRANDON R ROYCE3 Filed as: BRANDON R. ROYCE | 2000 COMMONWEALTH AVENUE, SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $2K | $123 | $3K | 6.92% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | 2000 COMMONWEALTH AVENUE, SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $1K | $25 | $1K | 3.42% |
| MJ INSURANCE3 Filed as: WEX INC. AND VARIOUS AGENTS | 11 STPCLDALR ROAD NEEDHAM, MA 02492 | AFLAC | $853 | $0 | $853 | 2.26% |
| BRANDON R ROYCE3 Filed as: BRANDON R. ROYCE | 29 CRAFTS STREET, SUITE 550 NEWTON, MA 02458 | AFLAC | $567 | $0 | $567 | 1.50% |
| PROCTOR & COMPANY INSURANCE AGENCY3 Filed as: PROCTOR AND COMPANY INS. AGENCY | 205 NEWBURY STREET, SUITE 407 FRAMINGHAM, MA 01701 | AFLAC | $454 | $0 | $454 | 1.20% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $337 | $25 | $362 | 0.96% |
| STEVE HEROUX ENTERPRISES3 Filed as: STEVE HEROUX ENTERPRISES INC. | 914 CAMINO DE LA REINA, UNIT 45 SAN DIEGO, CA 92108 | AFLAC | $323 | $0 | $323 | 0.85% |
| BRANDON R ROYCE3 Filed as: BRANDON R. ROYCE | 2000 COMMONWEALTH AVENUE, SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $2K | $17 | $2K | 10.18% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | 2000 COMMONWEALTH AVENUE, SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $847 | $3 | $850 | 3.96% |
| STEVE HEROUX ENTERPRISES3 Filed as: STEVE HEROUX ENT INC AND VAR AGENTS | 914 CAMINO DE LA REINA, SUITE 45 SAN DIEGO, CA 92108 | AFLAC | $385 | $0 | $385 | 1.80% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCESTER, MA 01890 | AFLAC | $379 | $3 | $382 | 1.78% |
| BRANDON R ROYCE3 Filed as: BRANDON R. ROYCE | 29 CRAFTS STREET, SUITE 550 NEWTON, MA 02458 | AFLAC | $274 | $0 | $274 | 1.28% |
| JAMES WATRISS3 | 119 SUNNYSIDE AVENUE ARLINGTON, MA 02474 | AFLAC | $226 | $1 | $227 | 1.06% |
| PROCTOR & COMPANY INSURANCE AGENCY3 Filed as: PROCTOR AND COMPANY INSURANCE AGCY | 205 NEWBURY STREET, SUITE 407 FRAMINGHAM, MA 01701 | AFLAC | $197 | $0 | $197 | 0.92% |
| KARIN L. PETERSEN3 | 337 LYNWOOD DRIVE SEVERNA PARK, MD 21146 | AFLAC | $9 | $0 | $9 | 3.80% |
| ADRIANA E. ANDERSON3 | 1 MEGHAN LANE DRACUT, MA 01826 | AFLAC | $5 | $0 | $5 | 2.11% |
| KAREN TUCCI3 | 73 STETSON DRIVE MARLBOROUGH, MA 01752 | AFLAC | $4 | $0 | $4 | 1.69% |
| DANIEL P CLARK3 Filed as: DANIEL P. CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $1 | $0 | $1 | 0.42% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 276 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 276 | $1.9M |
| Vision | EYEMED | 68 | $8K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 52 | $119K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 52 | $119K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 276 | $1.9M |
| Other(4 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 55 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.