| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $94K | — | $94K | 4.98% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $10K | $10K | 2.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INS & INVESTMENT COPR | 4 CHASE METROTECH CTR FL 7E PO BOX 26945 BROOKLYN, NY 112450003 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $3K | $14K | 3.64% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | ONE GATEWAY CTR STE 551 NEWTON, MA 02458 | FEDERAL INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| STEPHEN SNOW3 | 153 CORDAVILLE RD SOUTHBOROUGH, MA 01772 | AFLAC | $2K | $17 | $2K | 6.30% |
| FRED SNOW3 | 27 JERROLD STREET HOLLISTON, MA 01746 | AFLAC | $1K | $34 | $1K | 3.53% |
| THOMAS E ACKERMAN II3 Filed as: THOMAS ACKERMAN II | 30 WHEELER RD RUTLAND, MA 01543 | AFLAC | $537 | — | $537 | 1.52% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $198 | — | $198 | 0.56% |
| ACCESS ENROLL3 Filed as: ACCESS ENROLLMENT SOLUTIONS INC | 153 CORDAVILLE RD STE 120 SOUTHBOROUGH, MA 01772 | AFLAC | $135 | — | $135 | 0.38% |
| HUGH B DEMAREST3 Filed as: HUGH DEMAREST | 746 E EUGIE AVE PHOENIX, AZ 85022 | AFLAC | $63 | — | $63 | 0.18% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE ROAD HOLLISTON, MA 01746 | AFLAC | $46 | — | $46 | 0.13% |
| SHAWN ADORNO3 | 27393 DETROIT RD APT C13 WESTLAKE, OH 44145 | AFLAC | $37 | — | $37 | 0.10% |
| BRYAN TUCKER3 Filed as: BRYAN D TUCKER | 24654 N LAKE PLEASANT PKWY 103-465 PEORIA, AZ 85383 | AFLAC | $33 | — | $33 | 0.09% |
| COMPREHENSIVE EMPLOYEE BENEFITS INC3 | 8 CHALMERS RD WORCESTER, MA 01602 | AFLAC | $30 | — | $30 | 0.08% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY AARON KLEINMAN SR | 3420 E SHEA BLVD STE 168 PHOENIX, AZ 85028 | AFLAC | $17 | — | $17 | 0.05% |
| CHERYL C PEREZ3 | 5755 GRANGER RD STE 615 INDEPENDENCE, OH 44131 | AFLAC | $16 | — | $16 | 0.05% |
| BRANDI L KEBALKA3 | 20 RANELEGH RD BRIGHTON, MA 02135 | AFLAC | $6 | — | $6 | 0.02% |
| NATHAN A HUMMER3 | 5 WEBBER RD WESTFORD, MA 01886 | AFLAC | $5 | — | $5 | 0.01% |
| MAKOWSKI INS AGCY INC3 | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $4 | — | $4 | 0.01% |
| MERCEDES NOBLE REYES3 | 2041 WATERBURY RD LAKEWOOD, OH 44107 | AFLAC | $4 | — | $4 | 0.01% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $1 | — | $1 | 0.00% |
| RICO PEREZ3 Filed as: RICO W PEREZ | 6000 LOMBARDO CTR STE 145 SEVEN HILLS, OH 44131 | AFLAC | $1 | — | $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 | 1,585 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,630 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7 | $237K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,218 | $284K |
| Vision | HM LIFE INSURANCE COMPANY | 1,736 | $90K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,578 | $970K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,552 | $454K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,450 | $1.9M |
| Other(3 contracts, 3 carriers) | FEDERAL INSURANCE COMPANY | 1,585 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,218 | — |
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."
No prospect flags tripped on this filing.