| 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 | $59K | — | $59K | 14.56% |
| PATRIOT BENEFIT SOLUTIONS3 Filed as: PATRIOT BENEFIT SOLUTIONS INSURANCE | 17 COBBLESTONE CIRCLE NORTH ANDOVER, MA 01845 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.97% |
| MAGLIANO MICHAEL F3 | 4 FAIRWAY DRIVE PLYMOUTH, MA 02360 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $6K | — | $6K | 25.00% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $5K | — | $5K | 25.00% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $5K | — | $5K | 25.00% |
| PATRIOT BENEFIT SOLUTIONS3 Filed as: PATRIOT BENEFIT SOLUTIONS INSURANCE | 17 COBBLESTONE CIRCLE NORTH ANDOVER, ME 01845 | VISION SERVICE PLAN | $972 | — | $972 | 5.99% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $3K | — | $3K | 25.00% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $219 | — | $219 | 24.94% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 235 | $100K |
| Vision | VISION SERVICE PLAN | 83 | $16K |
| Life insurance(2 contracts) | USABLE LIFE | 138 | $33K |
| Short-term disability | USABLE LIFE | 139 | $22K |
| Long-term disability | USABLE LIFE | 139 | $26K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $408K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.