| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $204K | $204K | 5.34% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $35K | $35K | 5.39% |
| MGFS INSURANCE BROKERAGE INC3 Filed as: MGFS INSURANCE BROKERAGE INC. | 161 WORCESTER RD, SUITE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 0.89% |
| MGFS INSURANCE BROKERAGE INC3 Filed as: MGFS INSURANCE BROKERAGE INC. | 161 WORCESTER ROAD, SUITE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 1.68% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $19K | $19K | 5.06% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER ROAD, SUITE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 1.90% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $19K | $19K | 13.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | PO BOX 1660 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 6.76% |
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 | 19,022 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 19,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(8 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,445 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,445 | — |
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.