| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FITTS INSURANCE AGENCY, INC.3 | 2 WILLOW ST., STE. 102 SOUTHBOROUGH, MA 01745 | ALLWAYS HEALTH PARTNERS | $60K | — | $60K | 1.31% |
| FITTS INSURANCE AGENCY, INC.3 | 2 WILLOW ST., STE. 102 SOUTHBOROUGH, MA 01745 | GUARDIAN DENTAL | $6K | — | $6K | 2.30% |
| FITTS INSURANCE AGENCY, INC.3 | 2 WILLOW ST., STE. 102 SOUTHBOROUGH, MA 01745 | UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 4.71% |
| FITTS INSURANCE AGENCY, INC.3 Filed as: FITTS INSURANCE AGENCY | 2 WILLOW ST., STE. 102 SOUTHBOROUGH, MA 01745 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.32% |
| ACCESS ENROLL3 | 33 LANDAU RD. PLAINVILLE, MA 02762 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $8 | $1K | 3.04% |
| FITTS INSURANCE AGENCY, INC.3 | 2 WILLOW ST., STE. 102 SOUTHBOROUGH, MA 01745 | UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE RD. HOLLISTON, MA 01746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $408 | — | $408 | 5.06% |
| FITTS INSURANCE AGENCY, INC.3 Filed as: FITTS INSURANCE AGENCY INC. | 2 WILLOW ST., STE. 102 SOUTHBOROUGH, MA 01745 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $262 | — | $262 | 3.25% |
| ACCESS ENROLL3 | 33 LANDAU RD. PLAINVILLE, MA 02762 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$14 | — | -$14 | -0.17% |
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 | 557 | 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) | 557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLWAYS HEALTH PARTNERS | 257 | $4.6M |
| Dental | GUARDIAN DENTAL | 283 | $251K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 557 | $252K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 93 | $37K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 557 | $190K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 557 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.