| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $99K | $12K | $111K | 6.75% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | VISION SERVICE PLAN | $6K | — | $6K | 1.40% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $4K | $17K | 16.38% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 33 BOSTON POST RD W STE 120 MARLBOROUGH, MA 01752 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $250 | $13K | 12.69% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $4K | $15K | 15.55% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 33 BOSTON POST RD W STE 120 MARLBOROUGH, MA 01752 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $250 | $11K | 11.17% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD W 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 W SUITE 120 MARLBOROUGH, MA 01752 | FEDERAL INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS-SEE ATTACHMENT* | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $506 | $3K | 32.52% |
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 | 2,086 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,824 | $398K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,086 | $1.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,086 | $1.7M |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,086 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,086 | — |
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.