| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERSGRAY, INC.3 | 410 UNIVERSTIY AVENUE WESTWOOD, MA 02090 | TUFTS INSURANCE COMPANY | $2K | $0 | $2K | 2.06% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS | UNKNOWN TAMPA, FL 33607 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $6K | $10K | 9.65% |
| INDIGO INSURANCE SERVICES3 | UNKNOWN BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $9K | $9K | 8.47% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INSURANCE | UNKNOWN SOUTH DENNIS, MA 02660 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 7.75% |
| ROGERSGRAY, INC.3 | 410 UNIVERSTIY AVENUE WESTWOOD, MA 02090 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $4K | — | $4K | 4.43% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | ALTUS DENTAL INSURANCE COMPANY, INC. | $4K | $0 | $4K | 5.51% |
| ROGERSGRAY, INC.3 | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | ALTUS DENTAL INSURANCE COMPANY, INC. | $332 | $0 | $332 | 0.43% |
| NEESENROLL3 | 650 EDDIE DOWLING HIGHWAY NORTH SMITHFIELD, RI 02896 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.08% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.98% |
| LORI ANN MARTINEZ3 Filed as: LORI MARTINEZ | 7 SYNDEY CIRCLE CHARLTON, MA 01507 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $580 | $0 | $580 | 1.89% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW DRIVE SUITE 240 CRANSTON, RI 02920 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $473 | $0 | $473 | 1.54% |
| ACCESS ENROLL3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $127 | $0 | $127 | 0.41% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CENTER, SUITE 650 NEWTON, CA 02458 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $84 | $0 | $84 | 0.27% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $43 | $43 | 0.14% |
| NEESENROLL3 | 650 EDDIE DOWLING HIGHWAY NORTH SMITHFIELD, RI 02896 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $664 | $0 | $664 | 5.29% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $647 | $0 | $647 | 5.16% |
| LORI ANN MARTINEZ3 Filed as: LORI MARTINEZ | 7 SYNDEY CIRCLE CHARLTON, MA 01507 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $307 | $0 | $307 | 2.45% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW DRIVE SUITE 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79 | $0 | $79 | 0.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79 | $0 | $79 | 0.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS. SVCS. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $11 | $11 | 0.09% |
| JAMES H. VAN EPPS3 | 10930 CRABAPPLE ROAD, SUITE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 0.06% |
| ROGERSGRAY, INC.3 | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | VISION SERVICE PLAN | $146 | $0 | $146 | 7.28% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS | 410 UNIVERSTIY AVENUE WESTWOOD, MA 02090 | VISION SERVICE PLAN | $77 | $0 | $77 | 3.84% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 18 | $198K |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 159 | $77K |
| Vision | VISION SERVICE PLAN | 10 | $2K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 202 | $138K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 50 | $31K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 202 | $108K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 18 | $198K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 202 | $120K |
| 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."
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.