| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1 INTERNATIONAL PLACE, 16TH FLOOR BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $116K | $0 | $116K | 2.93% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | $0 | $35K | 0.88% |
| MCWALTER VOLUNTEER BENEFITS GROUP3 | 30 MONUMENT SQUARE CONCORD, MA 01742 | UNITEDHEALTHCARE INSURANCE COMPANY | -$474 | $0 | -$474 | -0.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | $0 | $33K | 26.71% |
| NEESENROLL3 Filed as: NEESENROLL, INC. | 65 BURBANK ROAD SUTTON, MA 01590 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | $0 | $26K | 20.64% |
| KRISTY COLGATE3 Filed as: KRISTY NICOLE COLGATE | 43 MAGILL DRIVE GRAFTON, MA 01519 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | $0 | $17K | 13.36% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PTNRS GEN AGNCY | 2000 CHAPEL VIEW ROAD, SUITE 240 CRANSTON, RI 02920 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $6K | $6K | 4.66% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 1.81% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | NATIONWIDE | $4K | $0 | $4K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | CRUM AND FORSTER | $157 | $0 | $157 | 9.99% |
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 | 366 | 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) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 675 | $4.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 675 | $4.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 675 | $4.0M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 675 | $4.0M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 675 | $4.0M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 675 | $4.0M |
| Prescription drug | NATIONWIDE | 72 | $41K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 675 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 675 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.