| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL P TSOTSIS3 | 466 MAIN STREET 14TH FLOOR WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 2.19% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET WORCESTER, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 1.08% |
| JAMES W. MOORADIAN3 | 277 DARMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.19% |
| BRYAN LAMBERT3 Filed as: BRYAN E. LAMBERT | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.13% |
| JAMES J HOOGASIAN3 Filed as: JAMES J. HOOGASIAN | ONE W BOYLSTON STREET, SUITE 101 WORCHESTER, MA 01605 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.97% |
| KERRI MELLEY3 | 71 ELM STREET, SUITE 202 WORCESTER, MA 01609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $536 | — | $536 | 0.47% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE | $8K | — | $8K | 7.29% |
| MICHAEL P TSOTSIS3 Filed as: MICHAEL P TSOSIS | 446 MAIN STREET 14TH FLOOR WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $799 | $799 | 1.09% |
| JAMES W. MOORADIAN3 Filed as: JAMES W MOORADIAN | 277 DARTMOUTH STREET 4TH FL BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY | $709 | — | $709 | 5.07% |
| BRYAN LAMBERT3 Filed as: BRYAN E LAMBERT | 277 DARTMOUTH STREET 4TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY | $674 | — | $674 | 4.82% |
| JAMES J HOOGASIAN3 | ONE WEST BOYLSTON STREET SUITE 101 WORCHESTER, MA 01605 | UNUM LIFE INSURANCE COMPANY | $379 | — | $379 | 2.71% |
| KERRI MELLEY3 | 71 ELM STREET SUITE 202 WORCESTER, MA 01609 | UNUM LIFE INSURANCE COMPANY | $43 | — | $43 | 0.31% |
| MICHAEL P TSOTSIS3 Filed as: MICHAEL P. TSOTSIS | 446 MAIN STREET, 14 FLOOR WORCESTER, MA 01608 | FIRST UNUM LIFE INSURANCE COMPANY | $373 | — | $373 | 14.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | — | $26 | $26 | 1.04% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | FIRST UNUM LIFE INSURANCE COMPANY | $7 | — | $7 | 1.06% |
| BRYAN LAMBERT3 Filed as: BRYAN E. LAMBERT | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | FIRST UNUM LIFE INSURANCE COMPANY | $7 | — | $7 | 1.06% |
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 | 1,362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 2,504 | $109K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,362 | $766K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,362 | $692K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,362 | $692K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,362 | $897K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,504 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.