| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3 EXECUTIVE PARK DRIVE SUITE 300 BEDFORD, NH 03110 | FIRST UNUM LIFE INSURANCE COMPANY | $14K | $3K | $17K | 9.75% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $15K | $15K | 8.69% |
| USI INSURANCE SERVICES LLC3 | 3 EXECUTIVE PARK DRIVE, SUITE 300 BEDFORD, NH 03110 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $5K | $12K | 7.05% |
| NEESENROLL3 | 65 BURBANK R SUTTON, MA 01590 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | $1K | $5K | 9.14% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | $1K | $5K | 8.94% |
| USI INSURANCE SERVICES LLC3 | 3 EXECUTIVE PARK DRIVE SUITE 300 BEDFORD, NH 03110 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $707 | $2K | 4.43% |
| CONWAY, KEVIN3 | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $862 | $0 | $862 | 1.57% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 178 | $177K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 178 | $177K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 178 | $177K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 178 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.