| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANDON R ROYCE3 Filed as: BRANDON R. ROYCE | 2000 COMMONWEATLH AVENUE, SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $25K | $2K | $27K | 13.28% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | 2000 COMMONWEALTH AVENUE, SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $8K | $392 | $8K | 4.08% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $3K | $313 | $3K | 1.48% |
| ALEXANDER B WARD3 Filed as: ALEXANDER P. WARD AND OTHER AGENTS | 5194 FOREST VIEW COURT SE MABLETON, GA 30126 | AFLAC | $2K | $0 | $2K | 0.90% |
| CLAYTON H BENNETT3 Filed as: CLAYTON H. BENNETT | 2950 ASCOT LANE ROSWELL, GA 30076 | AFLAC | $1K | $0 | $1K | 0.51% |
| KAREN TUCCI3 | 73 STETSON DRIVE MARBOROUGH, MA 01752 | AFLAC | $533 | $0 | $533 | 0.26% |
| DANIEL P CLARK3 Filed as: DANIEL P. CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $280 | $0 | $280 | 0.14% |
| DAVID J MCCLELLAN3 Filed as: DAVID HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $127 | $7 | $134 | 0.07% |
| MJ INSURANCE3 Filed as: DEBRA M. PARKER AND VARIOUS AGENTS | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $31 | $0 | $31 | 0.02% |
| TIMOTHY HENDERSON3 | 13 WILD LAUREL LANE HILTON HEAD, SC 29926 | AFLAC | $23 | $0 | $23 | 0.01% |
| RICHARD J. MAGUIRE3 | 81 DORCHESTER ROAD ROCHESTER, NY 14610 | AFLAC | $22 | $0 | $22 | 0.01% |
| ARI JOSEPH WEXLER3 | 11 STOCKLAND ROAD NEEDHAM, MA 02492 | AFLAC | $19 | $0 | $19 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE | 1667 ELM STREET MANCHESTER, NH 03101 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $14K | $0 | $14K | 7.72% |
| BRANDON R ROYCE3 Filed as: BRANDON R. ROYCE | 29 CRAFTS, SUITE 5500 NEWTON, MA 02458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 12.47% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | 2000 COMMONWEALTH AVENUE, SUITE 110 AUBURNDALE, MA 02466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 5.26% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.55% |
| WEX INC3 Filed as: WEX, INC. | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $508 | $0 | $508 | 0.45% |
| DANIEL P CLARK3 Filed as: DANIEL P. CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $259 | $0 | $259 | 0.23% |
| MAUREEN E SNOW Filed as: MAUREEN E. SNOW | 68 WINGATE ROAD HOLLISTON, MA 01746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | $0 | $36 | 0.03% |
| MJ INSURANCE3 Filed as: LYNN WARDLAW AND VARIOUS AGENTS | 187 SOUTH CULVER STREET LAWRENCEVILLAGE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | $0 | $33 | 0.03% |
| GENERAL AGENT CENTER INC3 | 3 EARLES WAY SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $646 | $68 | $714 | 19.51% |
| LARRIVEE, R DAVID3 Filed as: LARRIVEE, R. DAVID | 1667 ELM STREET, SUITE 3 MANCHESTER, NH 03110 | STANDARD INSURANCE COMPANY | $416 | $0 | $416 | 11.37% |
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 | 982 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 61 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,047 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 777 | $58K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,001 | $176K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 728 | $317K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,001 | $180K |
| Other(3 contracts, 3 carriers) | AFLAC | 1,001 | $493K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,001 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.