| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $81K | $10K | $91K | 6.67% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | VISION SERVICE PLAN | $5K | — | $5K | 1.58% |
| THERESA M. WHELAN INC3 Filed as: THERESA M WHELAN | P.O. BOX 2323 HYANNIS, MA 02601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | — | $21K | 11.62% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | — | $21K | 11.62% |
| SHAW ASSOCIATES INC3 Filed as: SHAW ASSOCIATES | 3417 73RD STREET SUITE R, FIRST FLOOR SHARON, MA 02067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.64% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | FEDERAL INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | FEDERAL INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $782 | — | $782 | 20.01% |
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 | 2,077 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,097 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,810 | $345K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,042 | $1.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,042 | $1.4M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,077 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,077 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.