| 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 | $91K | $11K | $103K | 7.27% |
| 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% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD W #120 MARLBOROUGH, MA 01752 | FEDERAL INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD W #120 MARLBOROUGH, MA 01752 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS, INC | 33 BOSTON POST ROAD WEST MARLBOROUGH, MA 01752 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 19.38% |
| CHRISTOPHER MANZI3 | 173 BRIMBLE AVE BEVERLY, MA 01915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $6K | $9K | 17.98% |
| MAUREEN A CHASSON3 | 8 HERSAM STREET STONEHAM, MA 02180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $64 | $5K | 9.21% |
| DB INSURANCE INC3 | 10 PEACH TREE LANE DANVERS, MA 01923 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 7.91% |
| GIANNI RICHIO3 | 18 RICKER CIRCLE SOUTH HAMILTO, MA 01982 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $295 | $3K | 6.90% |
| EDWARD JOHN MCNEIL3 | 9 ACORN CIRCLE MEDFIELD, MA 02052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | $417 | $691 | 1.41% |
| CATHY A MESSING3 | 2 PICKWICK WAY WAYLAND, MA 01778 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | $139 | $413 | 0.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET 12TH FL NEW YORK, NY 10038 | 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 | 2,088 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,840 | $346K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,088 | $1.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,088 | $1.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,088 | $1.4M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,088 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,088 | — |
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.