| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $60K | $4K | $65K | 2.18% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $6K | — | $6K | 2.76% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | HEALTH NEW ENGLAND | $3K | — | $3K | 2.89% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 5.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.50% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | STANDARD INSURANCE COMAPNY | $2K | $243 | $2K | 9.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMAPNY | — | $501 | $501 | 2.36% |
| EDITH J WOODCOCK3 | 117 BRYDON WAY WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.03% |
| NYLIFE SECURITIES LLC3 | 51 MADISON AVE ROOM 606 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $119 | $119 | 0.67% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | STANDARD INSURANCE COMPANY | $2K | $189 | $3K | 16.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $389 | $389 | 2.50% |
| HOWARD B LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 55.15% |
| JOHN DOTEN3 | 6003 POURING GLORIES WAY CLARKSVILLE, MD 21029 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $570 | — | $570 | 8.81% |
| MAIA LABOW3 | 666 DUNDEE RD STW 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.54% |
| HOWARD B LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 71.18% |
| JOHN DOTEN3 | 6003 POURING GLORIES WAY CLARKSVILLE, MD 21029 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.07% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 163 | $3.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 194 | $214K |
| Life insurance(3 contracts, 2 carriers) | STANDARD INSURANCE COMAPNY | 160 | $29K |
| Short-term disability | STANDARD INSURANCE COMPANY | 160 | $93K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 70 | $33K |
| Other | STANDARD INSURANCE COMAPNY | 160 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.