| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $88K | $88K | 3.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 016081435 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $36 | $36 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $208 | $5K | 10.47% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $174 | $4K | 10.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - | BOSTON, M 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | — | $3K | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $145 | $5K | 15.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP | A MARSH MCLENNAN AGENCY LLC CO 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | KAISER FOUNDATION HEALTH PLAN, INC. | $303 | — | $303 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $86 | $3K | 15.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 14.04% |
| MICHAEL C DEMETRI3 | 317 HAVERHILL ST NORTH READING, MA 01864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.80% |
| JOEL B KARAS3 | 130 PARSONS ST BRIGHTON, MA 021352147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $432 | — | $432 | 2.29% |
| EVAN D CROSS3 | 100 ALLERTON RD MILTON, MA 021862838 | CONTINENTAL AMERICAN INSURANCE COMPANY | $380 | — | $380 | 2.01% |
| BRANDON RICHARD ROYCE3 | 96 FARRINGTON AVE WRENTHAM, MA 020931187 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | — | $218 | 1.16% |
| CHRISTOPHER M. ALLEN3 Filed as: CHRISTOPHER JOHN CULLINAN | 188 S MAIN ST COHASSET, MA 020252009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $175 | — | $175 | 0.93% |
| STEVEN R KARAS3 Filed as: STEVEN ROBERT KARAS | 222 WARD ST NEWTON, MA 024591329 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 0.39% |
| DAVID J MCCLELLAN3 Filed as: DAVID SCOTT HALLETT | 8 BROOK STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.34% |
| KYLE A SCHOALES3 | 23 BARTHEL AVE GARDNER, MA 014402501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| BRANDON RICHARD ROYCE3 | 96 FARRINGTON AVE WRENTHAM, MA 020931187 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| TMBG INC3 | 34 HARWOOD ROAD NATICK, MA 01760 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 226 | $2.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 646 | $298K |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 398 | $2.9M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $53K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $41K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $44K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 5 | $30K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 646 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.