| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 64501 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.38% |
| USI INSURANCE SERVICES LLC | 312 ELM ST FL 24 CINCINNATI, OH 452022701 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $399 | $399 | 0.07% |
| JENNIFER GERVASIO3 | 203 BUNGY RD SCITUATE, RI 02857 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 21.69% |
| CAVENEY INSURANCE GROUP3 | 119 DRUM HILL RD - SUITE 194 CHELMSFORD, MA 01824 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 21.69% |
| JENNIFER GERVASIO3 | 203 BUNGY RD SCITUATE, RI 02857 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 7.21% |
| CAVENEY INSURANCE GROUP3 | 119 DRUM HILL RD - SUITE 194 CHELMSFORD, MA 01824 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 7.21% |
| JENNIFER GERVASIO3 | 203 BUNGY RD SCITUATE, RI 02857 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.68% |
| CAVENEY INSURANCE GROUP3 | 119 DRUM HILL RD - SUITE 194 CHELMSFORD, MA 01824 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.68% |
| PLATINUM WORKSITE BENEFITS3 | 2 WESCOTT DRIVE HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 2.22% |
| CAVENEY INSURANCE GROUP3 | 119 DRUM HILL RD - SUITE 194 CHELMSFORD, MA 01824 | TRUSTMARK INSURANCE COMPANY | $793 | — | $793 | 1.47% |
| JENNIFER GERVASIO3 | PO BOX 1040 JOHNSTON, RI 02919 | TRUSTMARK INSURANCE COMPANY | $516 | — | $516 | 0.96% |
| JENNIFER GERVASIO3 | 203 BUNGY RD SCITUATE, RI 02857 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 10.52% |
| CAVENEY INSURANCE GROUP3 | 119 DRUM HILL RD - SUITE 194 CHELMSFORD, MA 01824 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.25% |
| DAVID S HALLETT3 | 8 BROOKS ST WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $170 | — | $170 | 0.45% |
| BRANDON R ROYCE3 | 29 CRAFTS SUITE 550 NEWTON, MA 02458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148 | — | $148 | 0.40% |
| STEVEN R KARAS3 | 222 WARD ST NEWTON CENTRE, MA 02459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.09% |
| PLATINUM WORKSITE BENEFITS3 | 2 WESCOTT DRIVE HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 6.83% |
| CAVENEY INSURANCE GROUP3 | 119 DRUM HILL RD - SUITE 194 CHELMSFORD, MA 01824 | TRUSTMARK INSURANCE COMPANY | $827 | — | $827 | 3.43% |
| JENNIFER GERVASIO3 | PO BOX 19808 JOHNSTON, RI 02919 | TRUSTMARK INSURANCE COMPANY | $329 | — | $329 | 1.36% |
| PLATINUM WORKSITE BENEFITS3 | 2 WESCOTT DRIVE HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $101 | — | $101 | 7.12% |
| CAVENEY INSURANCE GROUP3 | 119 DRUM HILL RD - SUITE 194 CHELMSFORD, MA 01824 | TRUSTMARK INSURANCE COMPANY | $43 | — | $43 | 3.03% |
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 | 1,218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 923 | $600K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 676 | $348K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 676 | $324K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 947 | $110K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 513 | $125K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $62K |
| Other(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 947 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 947 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.