| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERSGRAY, INC.3 | 410 UNIVERSTIY AVENUE WESTWOOD, MA 02090 | TUFTS INSURANCE COMPANY | $3K | $0 | $3K | 2.13% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | UNKNOWN NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE | $1K | $0 | $1K | 1.15% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | ALTUS DENTAL INSURANCE COMPANY, INC. | $5K | $0 | $5K | 5.11% |
| ROGERSGRAY, INC.3 Filed as: ROGERSGRAY | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | ALTUS DENTAL INSURANCE COMPANY, INC. | $1K | $0 | $1K | 1.20% |
| ROGERSGRAY, INC.3 | 410 UNIVERSTIY AVENUE WESTWOOD, MA 02090 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $4K | $0 | $4K | 4.29% |
| NEESENROLL3 | 65 BURBNAK ROAD SUTTON, MA 01590 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $347 | $0 | $347 | 1.26% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $338 | $0 | $338 | 1.23% |
| 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 | $312 | $0 | $312 | 1.13% |
| LORI ANN MARTINEZ3 Filed as: LORI MARTINEZ | 7 SYNDEY CIRCLE CHARLTON, MA 01507 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $161 | $0 | $161 | 0.59% |
| ACCESS ENROLL3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $80 | $0 | $80 | 0.29% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | ONE GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.19% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | UNKNOWN NEWTON, MA 02458 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| INDIGO INSURANCE SERVICES3 | UNKNOWN NEWTON, MA 02458 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 7.00% |
| NEESENROLL3 | 65 BURBNAK ROAD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $255 | $0 | $255 | 2.47% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $249 | $0 | $249 | 2.42% |
| LORI ANN MARTINEZ3 Filed as: LORI MARTINEZ | 7 SYNDEY CIRCLE CHARLTON, MA 01507 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $119 | $0 | $119 | 1.15% |
| 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 | $13 | $0 | $13 | 0.13% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | TUFTS INSURANCE COMPANY | 143 | $312K |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 357 | $94K |
| Vision | ALTUS DENTAL INSURANCE COMPANY, INC. | 357 | $94K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 143 | $52K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 45 | $27K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 143 | $25K |
| Prescription drug(3 contracts, 3 carriers) | TUFTS INSURANCE COMPANY | 143 | $312K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 143 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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."
No prospect flags tripped on this filing.