| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $159K | $42K | $201K | 4.17% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL ST. FL 2 BOSTON, MA 021101700 | METROPOLITAN LIFE INSURANCE COMPANY | $91K | $11K | $102K | 2.12% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $135K | $135K | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $40K | $40K | 0.89% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $45K | $45K | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 0.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $25K | $25K | 1.76% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $34K | $34K | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 0.84% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $23K | $23K | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $93K | — | $93K | 12.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $56K | $1K | $58K | 7.75% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $22K | $22K | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.82% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $23K | $23K | 3.22% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 0.95% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $20K | $20K | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.84% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $17K | $17K | 3.78% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 0.82% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 0.83% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.81% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 3.25% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.00% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 9.75% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 2.00% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.79% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.83% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $916 | $916 | 0.82% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 3.82% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $597 | $597 | 0.79% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $510 | $510 | 0.83% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $462 | $462 | 0.83% |
| MHA INSURANCE AGENCY3 Filed as: MHA INSURANCE | 500 DISTRICT AVE. BURLINGTON, MA 01803 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| MHA INSURANCE AGENCY3 Filed as: MHA INSURANCE AGENCY, INC. | 500 DISTRICT AVE BURLINGTON, MA 01803 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $6K | — | $6K | 12.00% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $405 | $405 | 0.83% |
| MGFS INSURANCE BROKERAGE INC3 | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $296 | $296 | 0.77% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $904 | $904 | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $252 | $252 | 0.84% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $383 | $383 | 3.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $95 | $95 | 0.74% |
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 | 50,031 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 737 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 50,768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | ALLWAYS HEALTH PARTNERS | 219 | $3.6M |
| Life insurance(3 contracts, 3 carriers) | UNICARE LIFE & HEALTH INSURANCE COMPANY | 43,638 | $16.9M |
| Short-term disability(11 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,298 | $4.1M |
| Long-term disability(14 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,757 | $6.0M |
| Other(11 contracts, 7 carriers) | UNICARE LIFE & HEALTH INSURANCE COMPANY | 63,357 | $27.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 63,357 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.