| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 10 STATE HOUSE SQUARE, FLOOR 11 HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $72K | $15K | $86K | 5.06% |
| 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 | $31K | $4K | $35K | 2.04% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | VISION SERVICE PLAN | $4K | — | $4K | 0.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 416672 BOSTON, MA 02241 | VISION SERVICE PLAN | $3K | — | $3K | 0.56% |
| 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 | $12K | — | $12K | 8.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 75 ARLINGTON ST FL 10 BOSTON, MA 02116 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $28 | $9K | 6.51% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $72 | $7K | $7K | 4.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY ST FL 6 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | — | $570 | $570 | 0.41% |
| 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 | $10K | — | $10K | 7.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 75 ARLINGTON ST FL 10 BOSTON, MA 02116 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $28 | $9K | 6.57% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 4.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY ST FL 6 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | — | $573 | $573 | 0.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 75 ARLINGTON ST, FLOOR 10 BOSTON, MA 02116 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 10.53% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 33 BOSTON POST ROAD W SUITE 120 MARLBOROUGH, MA 01752 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 4.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 75 ARLINGTON ST, FLOOR 10 BOSTON, MA 02116 | FEDERAL INSURANCE COMPANY | $7K | — | $7K | 10.17% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD W SUITE 120 MARLBOROUGH, MA 01752 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 4.83% |
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 | 2,569 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,160 | $458K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,590 | $1.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,590 | $1.7M |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,569 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,590 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.