| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | UNKNOWN ROXBURY, MA 02119 | ALLWAYS HEALTH PARTNERS | $25K | $0 | $25K | 2.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INS. SERVICES INC | UNKNOWN ROXBURY, MA 02119 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $3K | $0 | $3K | 4.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $748 | $4K | 9.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 2.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $646 | $0 | $646 | 5.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | VISION SERVICE PLAN | $323 | $0 | $323 | 2.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER RISK MANAGEMENT | 470 ATLANTIC AVENUE BOSTON, MA 02108 | COLONAL LIFE AND ACCIDENT INSURANCE COMPANY | $289 | $0 | $289 | 5.77% |
| LAURIE SEUBERT3 Filed as: LAURIE SEUBERT AND OTHER AGENTS | 50 MAIN STREET, SUITE 200 EAST GREENWICH, RI 02818 | COLONAL LIFE AND ACCIDENT INSURANCE COMPANY | $200 | $85 | $285 | 5.69% |
| RICHARD HASKINS3 | PO BOX 362 MILLBURY, MA 01527 | COLONAL LIFE AND ACCIDENT INSURANCE COMPANY | $163 | $50 | $213 | 4.25% |
| THERESA CATHERINE MACMILLAN3 Filed as: THERESA CATHERINA MACMILLAN | 650 EAST GREENWICH AVENUE APARTMENT 3-208 WEST WARWICK, RI 02893 | COLONAL LIFE AND ACCIDENT INSURANCE COMPANY | $165 | $5 | $170 | 3.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 470 ATLANTIC AVENUE BOSTON, MA 02210 | COLONAL LIFE AND ACCIDENT INSURANCE COMPANY | $127 | $1 | $128 | 2.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 1.12% |
| WENDY S FRIREE TAFT3 Filed as: WENDY S. FRIREE TAFT | PO BOX 1024 BERLIN, MA 01503 | COLONAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.94% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLWAYS HEALTH PARTNERS | 77 | $842K |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 143 | $75K |
| Vision | VISION SERVICE PLAN | 54 | $12K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $50K |
| Short-term disability | COLONAL LIFE AND ACCIDENT INSURANCE COMPANY | 10 | $5K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $45K |
| Prescription drug | ALLWAYS HEALTH PARTNERS | 77 | $842K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.