| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BBS INSURANCE BROKERAGE INC3 | 2000 COMMONWEALTH AVENUE NEWTON, MA 02466 | HARVARD PILGRIM HEALTH CARE | $15K | — | $15K | 2.15% |
| BBS INSURANCE BROKERAGE INC3 Filed as: BBS INSURANCE BROKERAGE INC. | 2000 COMMONWEALTH AVENUE NEWTON, MA 02466 | HARVARD PILGRIM HEALTH CARE | $8K | — | $8K | 2.15% |
| BBS INSURANCE BROKERAGE INC3 Filed as: BBS INSURANCE BROKERAGE INC. | 2000 COMMONWEALTH AVENUE NEWTON, MA 02466 | HARVARD PILGRIM HEALTH CARE | $5K | — | $5K | 2.15% |
| BBS INSURANCE BROKERAGE INC3 | 2000 COMMONWEALTH AVENUE AUBURNDALE, MA 02466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.42% |
| KENNETH C MEIER CORP3 Filed as: KENNETH M. LEFEBVRE | 227 CHELMSFORD STREET CHELMSFORD, MA 01824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.50% |
| MARK R. LEFEBVRE3 | 227 CHELMSFORD STREET CHELMSFORD, MA 01824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.50% |
| KLINGMAN AND ASSOCIATES INC3 | 18 PROSPECT STREET LUNENBURG, MA 01462 | AFLAC | $3K | $21 | $3K | 12.99% |
| WEX INC3 Filed as: WEX INC. | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $398 | $4 | $402 | 1.93% |
| DANIEL P CLARK3 Filed as: DANIEL CLARK | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $168 | — | $168 | 0.81% |
| JEFFREY BLOCKER3 | 3 BARNESDALE RD NATICK, MA 01760 | AFLAC | $99 | — | $99 | 0.48% |
| JOHN B DRZEWIECKI JR3 Filed as: JOHN DRZEWIECKI JR | 370 SOUTHSHIRE DR BENNINGTON, VT 05201 | AFLAC | $43 | — | $43 | 0.21% |
| CONNIE KNECHT3 | 204 FRONT STREET EXETER, NH 03833 | AFLAC | $23 | — | $23 | 0.11% |
| KLINGMAN AND ASSOCIATES INC3 | 18 PROSPECT STREET LUNENBURG, MA 01482 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.99% |
| WEX INC3 Filed as: WEX INC. | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181 | — | $181 | 1.22% |
| DANIEL P CLARK3 Filed as: DANIEL P. CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.48% |
| MAUREEN E SNOW3 Filed as: MAUREEN E. SNOW | 68 WINGATE ROAD HOLLISTON, MA 01746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.29% |
| DANIEL P CLARK3 Filed as: DANIEL L. CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.18% |
| COMPREHENSIVE EMPLOYEE BENEFITS INC3 Filed as: COMPREHENSIVE EMPLOYEE BENEFIT INS | 8 CHALMERS ROAD WORCESTER, MA 01602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.10% |
| NATHAN A HUMMER3 Filed as: NATHAN A. HUMMER | 9 TOWNSEND ROAD LYNNFIELD, MA 01940 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| JILL SCIRPO3 | 6 WILLET POND ROAD WESTWOOD, MA 02090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| EASTERN INSURANCE GROUP LLC3 | 233 W CENTRAL STREET NATICK, MA 01760 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $565 | — | $565 | 9.72% |
| BBS INSURANCE BROKERAGE INC3 Filed as: BBS INSURANCE BROKERAGE INC. | 2000 COMMONWEALTH AVE NEWTON, MA 02466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $551 | — | $551 | 10.88% |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $63K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 255 | $11K |
| Short-term disability | AFLAC | 37 | $21K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 54 | $27K |
| Other(4 contracts, 3 carriers) | AFLAC | 255 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.