| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $77K | $0 | $77K | 5.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INS & INVESTMENT CORP | 4 CHASE METROTECH CTR FLOOR 7E BROOKLYN, NY 11245 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $47 | $10K | 2.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INS & INVESTMENT CORP | 4 CHASE METROTECH CTR FLOOR 7E BROOKLYN, NY 11245 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.70% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | ONE GATEWAY CTR SUITE 551 NEWTON, MA 02458 | FEDERAL INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| STEPHEN SNOW3 | 153 CORDAVILLE RD SOUTHBOROUGH, MA 01772 | AFLAC | $2K | $18 | $2K | 6.49% |
| FRED SNOW3 | 27 JERROLD STREET HOLLISTON, MA 01746 | AFLAC | $2K | $71 | $2K | 4.42% |
| THOMAS E ACKERMAN II3 Filed as: THOMAS ACKERMAN II | 30 WHEELER RD RUTLAND, MA 01543 | AFLAC | $596 | $0 | $596 | 1.63% |
| DANIEL P CLARK3 Filed as: DANIEL CLARK | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $316 | $18 | $334 | 0.91% |
| KRISTEN LOOS3 | 242 FARM STREET MILLIS, MA 02054 | AFLAC | $197 | $18 | $215 | 0.59% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE RD HOLLISTON, MA 01746 | AFLAC | $106 | $0 | $106 | 0.29% |
| ANDREW CHAPMAN3 | 5900 ROSE CIR SAINT ANNE, IL 60964 | AFLAC | $76 | $0 | $76 | 0.21% |
| HUGH B DEMAREST3 Filed as: HUGH DEMAREST | 746 E EUGIE AVE PHOENIX, AZ 85022 | AFLAC | $58 | $0 | $58 | 0.16% |
| SHAWN ADORNO3 | 27393 DETROIT RD APT C13 WESTLAKE, OH 44145 | AFLAC | $34 | $0 | $34 | 0.09% |
| COMPREHENSIVE EMPLOYEE BENEFITS INC3 | 8 CHALMERS RD WORCHESTER, MA 01602 | AFLAC | $32 | $0 | $32 | 0.09% |
| BRYAN TUCKER3 | 24654 NORTH LAKE PLEASANT PKWY 103-465 PEORIA, AZ 85383 | AFLAC | $30 | $0 | $30 | 0.08% |
| K & J NELSON INC3 Filed as: K AND J NELSON INC | 8512 WESTERLAND DR LAND O LAKES, FL 34637 | AFLAC | $24 | $0 | $24 | 0.07% |
| JEFFREY NELSON3 | 8512 WESTERLAND DR LAND O LAKES, FL 34637 | AFLAC | $22 | $0 | $22 | 0.06% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY KLEINMAN SR | 3420 E SHEA BLVD STE 168 PHOENIX, AZ 85028 | AFLAC | $16 | $0 | $16 | 0.04% |
| CRP BENEFIT SERVICES INC3 | 6000 LOMBARDO CENTER STE 145 SEVEN HILLS, OH 44131 | AFLAC | $15 | $0 | $15 | 0.04% |
| BRANDI KEIBALKA3 | 34 ADELLA STREET AUBURN, MA 01501 | AFLAC | $8 | $0 | $8 | 0.02% |
| NATHAN A HUMMER3 Filed as: NATHAN HUMMER | 5 WEBBER RD WESTFORD, MA 01886 | AFLAC | $6 | $0 | $6 | 0.02% |
| SUSAN BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $4 | $0 | $4 | 0.01% |
| MAKOWSKI INS AGCY INC3 | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $3 | $0 | $3 | 0.01% |
| MERCEDES NOBLE REYES3 | 2041 WATERBURY RD LAKEWOOD, OH 44107 | AFLAC | $3 | $0 | $3 | 0.01% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $1 | $0 | $1 | 0.00% |
| JILL SCIRPO3 | 6 WILLETT POND RD WESTWOOD, MA 02090 | AFLAC | $1 | $0 | $1 | 0.00% |
| ROBERTA DICKINSON3 | PO BOX 360277 STRONGSVILLE, OH 44136 | AFLAC | $1 | $0 | $1 | 0.00% |
| RICO PEREZ3 | 6000 LOMBARDO CTR STE 145 SEVEN HILLS, OH 44131 | AFLAC | $1 | $0 | $1 | 0.00% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $1 | $0 | $1 | 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 | 1,606 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,629 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | HARVARD PILGRIM HEALTH CARE | 2,741 | $1.0M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,156 | $162K |
| Vision | HM LIFE INSURANCE COMPANY | 1,546 | $78K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,601 | $1.2M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,572 | $487K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,487 | $1.4M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,605 | $910K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,156 | — |
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.