| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 12.39% |
| ERIN F. MURPHY3 | 448 TURNPIKE STREET SUITE BUILDING II-G-A SOUTH EASTON, MA 02375 | AFLAC | $2K | $47 | $2K | 4.85% |
| SHAW ASSOCIATES INC3 | 11 JOY LANE READING, MA 01867 | AFLAC | $798 | $11 | $809 | 2.44% |
| SHANNON MARTIN AND OTHER AGENTS3 | 10 WILDWOOD AVENUE TAUNTON, MA 02780 | AFLAC | $693 | $0 | $693 | 2.09% |
| DAVID C. FLAHERTY3 Filed as: DAVID C. FLAHERTY INC | 105 THREE RIVERS DRIVE BRIDGEWATER, MA 02324 | AFLAC | $338 | $0 | $338 | 1.02% |
| JANE A. CYR3 | 14 NAUSET ROAD SAGAMORE BEACH, MA 02562 | AFLAC | $337 | $0 | $337 | 1.02% |
| JOSEPH J. NELSON3 | PO BOX 135 MIRROR LAKE, NH 03853 | AFLAC | $174 | $0 | $174 | 0.52% |
| ANDREW S SHAW3 Filed as: ANDREW S. SHAW | 11 JOY LANE READING, MA 01867 | AFLAC | $140 | $0 | $140 | 0.42% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | ALTUS DENTAL INSURANCE COMPANY, INC. | $1K | $0 | $1K | 10.00% |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ALTUS DENTAL INSURANCE COMPANY, INC. | 181 | $11K |
| Life insurance | AFLAC | 34 | $33K |
| Short-term disability | AFLAC | 34 | $33K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $41K |
| Other | AFLAC | 34 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.