| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B EXECUTIVE BENEFITS | 99 HIGH STREET 16TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $40 | $11K | 2.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B EXECUTIVE BENEFITS | 99 HIGH STREET 16TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.51% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC. | ONE GATEWAY CTR STE. 551 NEWTON, MA 02458 | FEDERAL INSURANCE COMPANY | — | $9K | $9K | 15.00% |
| FRED SNOW3 Filed as: FRED S SNOW | 27 JERROLD ST HOLLISTON, MA 01746 | AFLAC | $4K | $414 | $4K | 10.60% |
| STEPHEN SNOW3 | 153 CORDAVILLE RD SOUTHBOROGH, MA 01772 | AFLAC | $4K | $70 | $4K | 9.80% |
| THOMAS E ACKERMAN II3 | 30 WHEELER RD RUTLAND, MA 01543 | AFLAC | $1K | $35 | $1K | 3.13% |
| HUGH B DEMAREST3 | 746 E EUGIE AVE PHOENIX, AZ 85022 | AFLAC | $220 | $0 | $220 | 0.55% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $135 | — | $135 | 0.34% |
| ANDREW CHAPMAN3 Filed as: ANDREW W CHAPMAN | 66 SQUIRE DRIVE NASHUA, NH 03063 | AFLAC | $89 | — | $89 | 0.22% |
| DANIEL P CLARK3 | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $47 | $35 | $82 | 0.20% |
| BRYAN TUCKER3 Filed as: BRYAN D TUCKER | 24654 NORTH LAKE PLEASANT PKWY 103-465 PEORIA, AZ 85383 | AFLAC | $58 | — | $58 | 0.14% |
| MAUREEN E SNOW3 | 68 WINGATE RD HOLLISTON, MA 01746 | AFLAC | $58 | — | $58 | 0.14% |
| K & J NELSON INC3 Filed as: K AND J NELSON INC | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | AFLAC | $45 | — | $45 | 0.11% |
| DINA L LONGTIN3 Filed as: DINA IBACH | 233 E 13TH ST APT 2302 CHICAGO, IL 60605 | AFLAC | $38 | — | $38 | 0.09% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY AARON KLEINMAN SR | 3420 E SHEA BLVD STE 168 PHOENIX, AZ 85028 | AFLAC | $37 | — | $37 | 0.09% |
| SHAWN ADORNO3 | 27393 DETROIT RD APT C13 WESTLAKE, OH 44145 | AFLAC | $37 | — | $37 | 0.09% |
| JEFFREY NELSON3 Filed as: JEFFREY C NELSON | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | AFLAC | $35 | — | $35 | 0.09% |
| LISBETH A MOG3 | 67 FISKE ST HOLLISTON, MA 01746 | AFLAC | $20 | — | $20 | 0.05% |
| CRP BENEFIT SERVICES INC3 | 6000 LOMBARDO CENTER STE 145 SEVEN HILS, OH 44131 | AFLAC | $16 | — | $16 | 0.04% |
| MARIA MULLIGAN3 | 19420 N 59TH AVE STE C251 GLENDALE, AZ 85308 | AFLAC | $10 | — | $10 | 0.02% |
| NICOLE E BRINDLE3 | 3933 E ROSEMONTE DR PHOENIX, AZ 85050 | AFLAC | $9 | — | $9 | 0.02% |
| BRANDI L KEBALKA3 | 32 HOBART ST BRIGHTON, MA 02135 | AFLAC | $8 | — | $8 | 0.02% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $7 | — | $7 | 0.02% |
| SUSAN C BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $6 | — | $6 | 0.01% |
| AMY BERG3 | 46 JENNINGS RD HOLLISTON, MA 01746 | AFLAC | $6 | — | $6 | 0.01% |
| JEFFREY NELSON3 Filed as: JEFFREY C NELSON | 8512 WESTERLAND DR LAND O LAKES, FL 34637 | AFLAC | $6 | — | $6 | 0.01% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 360 W ILLINOIS ST APT 9A CHICAGO, IL 60654 | AFLAC | $5 | — | $5 | 0.01% |
| MULLIGAN BENEFITS LLC3 | 19420 N 59TH AVE STE C251 GLENDALE, FL 85308 | AFLAC | $5 | — | $5 | 0.01% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES LTD | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $5 | — | $5 | 0.01% |
| MERCEDES NOBLE REYES3 | 2041 WATERBURY RD LAKEWOOD, OH 44107 | AFLAC | $4 | — | $4 | 0.01% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $4 | — | $4 | 0.01% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INS AGENCY INC | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $4 | — | $4 | 0.01% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $3 | — | $3 | 0.01% |
| SUSAN C BRIMHALL3 | 155 CYPRESS LN SUITE 525 OLDSMAR, FL 34677 | AFLAC | $2 | — | $2 | 0.00% |
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 | 1,605 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 2,714 | $991K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,082 | $14K |
| Vision | HM LIFE INSURANCE COMPANY | 1,341 | $66K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,610 | $1.2M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,576 | $474K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,610 | $870K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,082 | — |
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.