| 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 | $161K | — | $161K | 10.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 400 MIDLAND DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 0.93% |
| JAMES MOORADIAN3 | 277 DARTMOUTH STREET BOSTON, MA 02116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70K | $2K | $72K | 15.28% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS, LTD. | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $17K | $46K | 9.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37K | $2K | $39K | 8.22% |
| BRYAN LAMBERT3 | 20 PARK PLAZA BOSTON, MA 02116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.47% |
| CHRIS M. ALLEN3 | 20 PARK PLAZA BOSTON, MA 02116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $6K | — | $6K | 1.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 2.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 16.10% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $6K | $13K | 12.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 7.57% |
| CHRISTOPHER M. ALLEN3 | 20 PARK PLAZA, SUITE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 3.37% |
| BRYAN LAMBERT3 Filed as: BRYAN E. LAMBERT | 20 PARK PLAZA SUITE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE 10TH FLOOR BOSTON, MA 02116 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 3.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 13.94% |
| M. FINANCIAL HOLDINGS INCORPORATED3 | 1125 COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $475 | $3K | 13.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $482 | $482 | 1.97% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $654 | $348 | $1K | 10.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $428 | $103 | $531 | 5.52% |
| M. FINANCIAL HOLDINGS INCORPORATED3 | 1125 COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $11 | $53 | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $18 | $27 | 0.28% |
| DAVID A. CLAUSEN3 | 43 DWHINDA ROAD WABAN, MA 02468 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.27% |
| MARK LUCIER3 Filed as: MARK BROOKS LUCIER | 2 RICE SPRING LANE WAYLAND, MA 01778 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.27% |
| JAMES MOORADIAN3 | 277 DARTMOUTH STREET BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $926 | — | $926 | 12.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $486 | — | $486 | 6.35% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS, LTD. | 65 BURBANK ROAD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $308 | $6 | $314 | 4.11% |
| BRYAN LAMBERT3 | 20 PARK PLAZA BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.31% |
| CHRIS M. ALLEN3 | 20 PARK PLAZA BOSTON, MA 02116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.16% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $119 | $58 | $177 | 6.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78 | $15 | $93 | 3.37% |
| JOSEPH PARKER DAVIES3 Filed as: JOSEPH MARK GRAY | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 2.21% |
| JAMES DUNCAN BLUE3 | 100 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 1.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $25 | $40 | 1.45% |
| M. FINANCIAL HOLDINGS INCORPORATED3 | 1125 COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $10 | $10 | 0.36% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $242 | $198 | $440 | 16.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $180 | $64 | $244 | 8.95% |
| CHRISTOPHER M. ALLEN3 | 20 PARK PLAZA, SUITE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $20 | $45 | 1.65% |
| BRYAN LAMBERT3 Filed as: BRYAN E. LAMBERT | 20 PARK PLAZA SUITE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.92% |
| M. FINANCIAL HOLDINGS INCORPORATED3 | 1125 COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $249 | $40 | $289 | 14.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $41 | $41 | 2.00% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $165 | $175 | $340 | 20.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $98 | — | $98 | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $57 | $57 | 3.49% |
| CHRISTOPHER M. ALLEN3 | 20 PARK PLAZA, SUITE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $12 | $10 | $22 | 1.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTER, SUITE 100 ROCHESTER, NY 14618 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $15 | — | $15 | 0.92% |
| BRYAN LAMBERT3 Filed as: BRYAN E. LAMBERT | 20 PARK PLAZA SUITE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $12 | — | $12 | 0.74% |
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 | 2,360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 20 | $356K |
| Dental | AETNA LIFE INSURANCE COMPANY | 6 | $51K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,513 | $498K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,346 | $1.6M |
| Long-term disability(8 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,346 | $1.8M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 20 | $236K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,346 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,346 | — |
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.