| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ROWLEY AGENCY3 Filed as: ROWLEY AGENCY | PO BOX 511 CONCORD, NH 03302 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $69K | — | $69K | 1.68% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY LLC | 45 CONSTITUTION WAY CONCORD, NH 03302 | DENTAL SERVICE OF MASSACHUSETTS, INC DBA DELTA DENTAL OF MA | $9K | — | $9K | 3.24% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFT ADMNSTRS INC | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.24% |
| THE ROWLEY AGENCY3 | PO BOX 511 CONCORD, NH 03302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.59% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY LLC | PO BOX 511 CONCORD, NH 03302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.29% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFT ADMSTRS INC | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.43% |
| THE ROWLEY AGENCY3 | PO BOX 511 CONCORD, NH 03302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 5.36% |
| HARDY, DANA P.3 | 160 GOULD ST STE 212 NEEDHAM HEIGHTS, MA 02494 | SUN LIFE ASSURANCE COMPANY OF CANADA | $574 | $0 | $574 | 0.88% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFT ADMNSTRS INC | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.24% |
| THE ROWLEY AGENCY3 | PO BOX 511 CONCORD, NH 03302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.11% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFT ADMNSTRS INC | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.22% |
| THE ROWLEY AGENCY3 | PO BOX 511 CONCORD, NH 03302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.22% |
| THE ROWLEY AGENCY3 | PO BOX 511 CONCORD, NH 03302 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.85% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $578 | $2K | 6.06% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 38.50% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY LLC | PO BOX 511 CONCORD, NH 03302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 16.50% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFT ADMSTRS INC | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $880 | $880 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 45.50% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY LLC | PO BOX 511 CONCORD, NH 03302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 19.50% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFT ADMSTRS INC | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $877 | $877 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 49.00% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY LLC | PO BOX 511 CONCORD, NH 03302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 21.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFT ADMSTRS INC | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $643 | $643 | 4.99% |
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 | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 508 | $4.1M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC DBA DELTA DENTAL OF MA | 564 | $267K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 519 | $28K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 350 | $177K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 350 | $109K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 350 | $141K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 350 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.