| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 20.75% |
| THE ENROLLMENT NETWORK3 | 333 MAIN STREET, SUITE 1 EAST GREENWICH, RI 02818 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $103 | $0 | $103 | 3.17% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INS. | 400 BLUE HILL DRIVE, SUITE 188 WESTWOOD, MA 02090 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 2.10% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 1.08% |
| THE ENROLLMENT NETWORK3 | 333 MAIN STREET, SUITE 1 EAST GREENWICH, RI 02818 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46 | $0 | $46 | 5.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INS. | 400 BLUE HILL DRIVE, SUITE 188 WESTWOOD, MA 02090 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42 | $0 | $42 | 4.57% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | $0 | $4 | 0.43% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $17K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 7 | $3K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $17K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.