| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT BENEFIT SOLUTIONS INS AGCY | 17 COBBLESTONE CIRCLE NORTH ANDOVER, MA 01845 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | — | $52K | 19.58% |
| PATRIOT BENEFIT SOLUTIONS3 Filed as: PATRIOT BENEFIT SOLUTIONS INSURANCE | 17 COBBLESTONE CIRCLE NORTH ANDOVER, MA 01845 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $388 | $5K | 5.47% |
| INDIGO INSURANCE SERVICES3 | 401 PARK DRIVE BOSTON, MA 02215 | USABLE LIFE | $17K | — | $17K | 25.00% |
| MICHAEL F MAGLIANO3 | 4 FAIRWAY DRIVE PLYMOUTH, MA 02360 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.93% |
| PATRIOT BENEFIT SOLUTIONS3 Filed as: PATRIOT BENEFIT SOLUTIONS INSURANCE | 17 COBBLESTONE CIRCLE NORTH ANDOVER, ME 01845 | VISION SERVICE PLAN | $861 | — | $861 | 6.56% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $86K |
| Vision | VISION SERVICE PLAN | 69 | $13K |
| Life insurance | USABLE LIFE | 143 | $70K |
| Short-term disability | USABLE LIFE | 143 | $70K |
| Long-term disability | USABLE LIFE | 143 | $70K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 85 | $267K |
| Other(4 contracts, 4 carriers) | USABLE LIFE | 145 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.