| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 606063708 | RELIASTAR LIFE INSURANCE COMPANY | — | $25K | $25K | 1.08% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | RELIASTAR LIFE INSURANCE COMPANY | $10K | $5K | $15K | 0.63% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUPOF NEW ENGALND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | SYMETRA LIFE INSURANCE COMPANY | $112K | — | $112K | 9.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | SYMETRA LIFE INSURANCE COMPANY | $76K | — | $76K | 9.50% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $15K | $6K | $22K | 2.81% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | VISION SERVICE PLAN | $6K | — | $6K | 0.98% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $1K | — | $1K | 0.19% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK, INC. | 2122 KRATKY ROAD ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 7.51% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 7.51% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | AETNA LIFE INSURANCE COMPANY | $47K | — | $47K | 17.81% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | AETNA LIFE INSURANCE COMPANY | $18K | — | $18K | 6.78% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 4.21% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | ACE AMERICAN INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP | AVENIDA LUIS MUNOZ RIVERA 270 PH-1 SAN JUAN, PR 00918 | TRIPLE S SALUD, INC. | $1K | — | $1K | 5.00% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $37 | $37 | 0.88% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $24 | $24 | 0.97% |
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 | 3,229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 42 | $294K |
| Dental | AETNA LIFE INSURANCE COMPANY | 42 | $265K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,689 | $853K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 6,327 | $2.3M |
| Short-term disability(3 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 35 | $7K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,229 | $777K |
| Stop-loss / reinsurancereinsurance(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 1,452 | $2.0M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,211 | $597K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,327 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.