| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $121K | $0 | $121K | 10.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 400 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 1.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $5K | $0 | $5K | 1.58% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS, LTD | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $26K | $52K | 17.91% |
| JAMES MOORADIAN3 | 277 DARTMOUTH STREET BOSTON, MA 02116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46K | $0 | $46K | 15.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $695 | $29K | 9.97% |
| BRYAN LAMBERT3 | 20 PARK PLAZA BOSTON, MA 02116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $152 | $8K | 2.69% |
| CHRIS M. ALLEN3 | 20 PARK PLAZA BOSTON, MA 02116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $84 | $4K | 1.35% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $154 | $2K | 0.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02116 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $0 | $26K | 10.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $0 | $8K | 3.23% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $4K | $9K | 8.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 7.29% |
| CHRISTOPHER M. ALLEN3 | 20 PARK PLAZA, SUITE 478 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $447 | $3K | 3.43% |
| BRYAN LAMBERT3 Filed as: BRYAN E. LAMBERT | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $14 | $3K | 2.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 15.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $6K | 15.44% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $724 | $724 | 1.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.00% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 22.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $823 | $816 | $2K | 13.73% |
| DAVID A. CLAUSEN3 | THE CLAUSEN FINANCIAL GROUP 43 DWHINDA ROAD WABAN, MA 02468 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 0.30% |
| MARK LUCIER3 Filed as: MARK BROOKS LUCIER | 52 PICKERING STREET NEEDHAM, MA 02492 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.19% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $12 | $12 | 0.10% |
| JAMES MOORADIAN3 | 277 DARTMOUTH STREET BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $949 | $0 | $949 | 11.95% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS, LTD | 65 BURBANK ROAD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $600 | $43 | $643 | 8.10% |
| BRYAN LAMBERT3 | 20 PARK PLAZA BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $160 | $0 | $160 | 2.02% |
| CHRIS M. ALLEN3 | 20 PARK PLAZA BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $80 | $0 | $80 | 1.01% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.24% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $149 | $194 | $343 | 12.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $100 | $110 | $210 | 7.76% |
| JAMES DUNCAN BLUE3 | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $106 | $0 | $106 | 3.92% |
| JOSEPH PARKER DAVIES3 Filed as: JOSEPH MARK GRAY | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $0 | $67 | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.63% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $11 | $11 | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $294 | $97 | $391 | 16.15% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $47 | $47 | 1.94% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $55 | $49 | $104 | 7.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $66 | $0 | $66 | 4.59% |
| CHRISTOPHER M. ALLEN3 | 20 PARK PLAZA, SUITE 478 BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $43 | $7 | $50 | 3.48% |
| BRYAN LAMBERT3 Filed as: BRYAN E. LAMBERT | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $43 | $0 | $43 | 2.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDAN CENTER, SUITE 100 ROCHESTER, NY 14618 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $18 | $0 | $18 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $11 | $11 | 0.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $2 | $2 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $5 | $62 | 5.98% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $27 | $59 | 5.69% |
| CHRISTOPHER M. ALLEN3 | 20 PARK PLAZA, SUITE 478 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $5 | $37 | 3.57% |
| BRYAN LAMBERT3 Filed as: BRYAN E. LAMBERT | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 3.09% |
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 | 1,845 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 40 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 46 | $500K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 18 | $264K |
| Vision | VISION SERVICE PLAN | 1,311 | $345K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,845 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,845 | $1.2M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 46 | $236K |
| Other(13 contracts, 8 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,845 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,845 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.