| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $205K | $270K | $475K | 2.22% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $140K | $140K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $81K | $81K | 1.73% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $44K | $44K | 2.76% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $26K | $26K | 1.65% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $32K | $32K | 2.75% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $19K | $19K | 1.65% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $25K | $25K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 1.75% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $23K | $23K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 1.76% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $21K | $21K | 2.75% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 1.59% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $21K | $21K | 2.75% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 1.66% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD. SUITE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, ND 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 1.63% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | 160 FEDERAL ST. FL 9 BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $15K | $15K | 2.73% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 1.59% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 0.97% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 2.26% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 1.65% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 2.50% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.71% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 2.75% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 1.65% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.96% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.74% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.73% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $678 | $678 | 0.32% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.74% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 2.50% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 2.76% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.58% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | 160 FEDERAL ST. FL 9 BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 2.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON LLC | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.65% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.61% |
| MHA INSURANCE AGENCY3 Filed as: MHA INSURANCE AGENCY, INC. | 500 DISTRICT AVE BURLINGTON, MA 01803 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $7K | — | $7K | 8.85% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $626 | $626 | 0.93% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.74% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.52% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.74% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.65% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.71% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $950 | $950 | 1.63% |
| MGFS INSURANCE BROKERAGE INC3 | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $892 | $892 | 1.64% |
| MHA INSURANCE AGENCY3 Filed as: MHA INSURANCE | 500 DISTRICT AVE. BURLINGTON, MA 01803 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $481 | $481 | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $272 | $272 | 1.70% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $185 | $185 | 7.78% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $71 | $71 | 2.98% |
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 | 65,218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 453 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3,376 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 69,047 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLWAYS HEALTH PARTNERS | 169 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 89,965 | $21.4M |
| Short-term disability(11 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,421 | $4.6M |
| Long-term disability(20 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,472 | $7.2M |
| Other(9 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 89,965 | $32.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89,965 | — |
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.