| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 0.93% |
| GCG FINANCIAL LLC7 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $18K | $24K | 3.49% |
| GCG FINANCIAL LLC7 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $15K | $25K | 3.86% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | RELIANCE STANDARD INSURANCE COMPANY | $10K | — | $10K | 1.68% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | VISION SERVICE PLAN | $8K | — | $8K | 1.52% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | VISION SERVICE PLAN | $5K | — | $5K | 1.00% |
| GCG FINANCIAL LLC7 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $13K | $19K | 4.11% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 1.90% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 1.91% |
| GCG FINANCIAL LLC7 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.59% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | RELIANCE STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| MCSWEENEY AND RICCI INSURANCE AGENC3 | 420 WASHINGTON STREET BRAINTREE, MA 02184 | FEDERAL INSURANCE COMPANY | $686 | $66 | $752 | 16.46% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $84 | — | $84 | 10.95% |
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 | 4,764 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,802 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,418 | $530K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,764 | $1.4M |
| Short-term disability(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,220 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,764 | $1.2M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,764 | $843K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,764 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.