| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNIFER GERVASIO3 Filed as: JENNIFER J GERVASIO | 203 BUNGY ROAD N. SCITUATE, RI 02857 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 1.80% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP, INC. | 119 DRUM HILL ROAD, SUITE 194 CHELMSFORD, MA 01824 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.48% |
| DAVID J MCCLELLAN3 Filed as: DAVID SCOTT HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $524 | — | $524 | 0.24% |
| BRANDON RICHARD ROYCE3 | 96 FARRINGTON AVE WRENTHAM, MS 020931187 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | — | $99 | 0.05% |
| STEVEN R KARAS3 Filed as: STEVEN ROBERT KARAS | 222 WARD ST NEWTON CENTRE, MA 024591329 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| RYAN BENEFITS INC3 Filed as: RYAN TAVARES | 10 WILLOW ST DERRY, NH 030384406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 64501 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.45% |
| JENNIFER GERVASIO3 Filed as: JENNIFER J. GERVASIO | 203 BUNGY RD SCITUATE, RI 02857 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 17.64% |
| CAVENEY INSURANCE GROUP3 | 119 DRUM HILL RD - SUITE 194 CHELMSFORD, MA 01824 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 17.64% |
| JENNIFER GERVASIO3 Filed as: JENNIFER J. GERVASIO | 203 BUNGY RD SCITUATE, RI 02857 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.83% |
| CAVENEY INSURANCE GROUP3 | 119 DRUM HILL RD - SUITE 194 CHELMSFORD, MA 01824 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.83% |
| CAVENEY INSURANCE GROUP3 | 119 DRUM HILL RD - SUITE 194 CHELMSFORD, MA 01824 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 7.61% |
| JENNIFER GERVASIO3 Filed as: JENNIFER J. GERVASIO | 203 BUNGY RD SCITUATE, RI 02857 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 7.61% |
| PLATINUM WORKSITE BENEFITS3 | 2 WESCOTT DRIVE HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $876 | — | $876 | 3.53% |
| CAVENEY INSURANCE GROUP3 | 119 DRUM HILL RD - SUITE 194 CHELMSFORD, MA 01824 | TRUSTMARK INSURANCE COMPANY | $610 | — | $610 | 2.46% |
| JENNIFER GERVASIO3 | PO BOX 1040 JOHNSTON, RI 02919 | TRUSTMARK INSURANCE COMPANY | $395 | — | $395 | 1.59% |
| PLATINUM WORKSITE BENEFITS3 | 2 WESCOTT DRIVE HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 8.67% |
| CAVENEY INSURANCE GROUP3 | 119 DRUM HILL RD - SUITE 194 CHELMSFORD, MA 01824 | TRUSTMARK INSURANCE COMPANY | $826 | — | $826 | 3.69% |
| JENNIFER GERVASIO3 | PO BOX 19808 JOHNSTON, RI 02919 | TRUSTMARK INSURANCE COMPANY | $244 | — | $244 | 1.09% |
| PLATINUM WORKSITE BENEFITS3 | 2 WESCOTT DRIVE HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $428 | — | $428 | 24.44% |
| CAVENEY INSURANCE GROUP3 | 119 DRUM HILL RD - SUITE 194 CHELMSFORD, MA 01824 | TRUSTMARK INSURANCE COMPANY | $13 | — | $13 | 0.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $152K |
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 | 935 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 939 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 651 | $338K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 651 | $338K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 945 | $80K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 449 | $80K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 103 | $50K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 651 | $118K |
| Other(5 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 945 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 945 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.