| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: CABOT RISK STRATEGIES LLC | 15 CABOT RD WOBURN, MA 01801 | UNITED HEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 3.12% |
| STEVEN WALSH3 | 27 WHITON AVE HINGHAM, MA 02043 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.27% |
| RISK STRATEGIES COMPANY3 Filed as: CABOT RISK STRATEGIES LLC | 15 CABOT RD WOBURN, MA 01801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.29% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS LLC | 2 ENTERPRISE DR #204 SHELTON, CT 06484 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.00% |
| STEVEN WALSH3 | 190 LINCOLN ST STE 4 HINGHAM, MA 02043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $152 | — | $152 | 0.70% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 202 | $1.3M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.