| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVAN D CROSS3 Filed as: EVAN D. CROSS | 100 ALLERTON ROAD MILTON, MA 02186 | AFLAC | $305 | $1K | $1K | 4.23% |
| GREGORY INSURANCE SOLUTIONS3 | 518 WILDCREEK CIRCLE LITTLE ROCK, AR 72223 | AFLAC | $26 | $0 | $26 | 0.08% |
| CHRISTOPHER M. ALLEN3 Filed as: CHRISTOPHER JOHN CULLINAN | 188 SOUTH MAIN STREET COHASSET, MA 02025 | AFLAC | $12 | $0 | $12 | 0.04% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $8 | $0 | $8 | 0.02% |
| ELIZABETH M CHAPMOND3 Filed as: ELIZABETH M. CHAPMOND | 107 LOOKOUT POINT HOT SPRINGS, AR 71913 | AFLAC | $7 | $0 | $7 | 0.02% |
| DANIEL P CLARK3 Filed as: DANIEL P. CLARK AND OTHER AGENTS | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $7 | $0 | $7 | 0.02% |
| RICHARD A KRASKI SR3 Filed as: RICHARD A. KRASKT, SR | 1506 FALLOWFIELD AVENUE PITTSBURGH, PA 15216 | AFLAC | $3 | $0 | $3 | 0.01% |
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 | 435 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 453 | 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. | 1,040 | $20K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 435 | $0 |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA (U.S.) | 435 | $0 |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 435 | $0 |
| Other(2 contracts, 2 carriers) | AFLAC | 435 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,040 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.