| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVAN D CROSS3 Filed as: EVAN CROSS | 100 ALLERTON ROAD MILTON, MA 02186 | AFLAC | $2K | $634 | $3K | 22.26% |
| CHRISTOPHER M. ALLEN3 Filed as: CHRISTOPHER CULLINAN | 188 SOUTH MAIN STREET COHASSET, MA 02025 | AFLAC | $161 | $0 | $161 | 1.28% |
| GREGORY INSURANCE SOLUTIONS3 | 518 WILDCREEK CIRCLE LITTLE ROCK, AR 72223 | AFLAC | $102 | $0 | $102 | 0.81% |
| GEORGE BIRCH3 | 68 JOYCE KILMER ROAD WEST ROXBURY, MA 02132 | AFLAC | $51 | $0 | $51 | 0.40% |
| MJ INSURANCE3 Filed as: DANIEL CLARK AND VARIOUS AGENTS | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $36 | $0 | $36 | 0.29% |
| DAVID J MCCLELLAN3 Filed as: DAVID HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $32 | $0 | $32 | 0.25% |
| ELIZABETH M CHAPMOND3 Filed as: ELIZABETH CHAPMOND | 107 LOOKOUT POINT HOT SPRINGS, AR 71913 | AFLAC | $29 | $0 | $29 | 0.23% |
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 | 991 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,158 | $77K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 991 | $222K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 17 | $1K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 991 | $222K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 991 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,158 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.