| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPREHENSIVE INSURANCE PROVIDERS3 | 799 CAMBRIDGE STREET CAMBRIDGE, MA 02141 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $579 | $5K | 13.45% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KROGER AVENUE, SUITE 200 ST PETERSBURG, FL 33702 | METROPOLITAN LIFE INSURANCE COMPANY | $652 | $0 | $652 | 16.85% |
| COMPREHENSIVE INSURANCE PROVIDERS3 | 799 CAMBRIDGE STREET CAMBRIDGE, MA 02141 | METROPOLITAN LIFE INSURANCE COMPANY | $387 | $0 | $387 | 10.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201, BUILDING I SUITE 100 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $194 | $194 | 5.01% |
| COMPREHENSIVE INSURANCE PROVIDERS3 | 799 CAMBRIDGE STREET CAMBRIDGE, MA 02141 | AFLAC | $142 | $0 | $142 | 4.85% |
| ERIN F. MURPHY3 | 448 TURNPIKE STREET BUILDING II SOUTH EASTON, MA 02375 | AFLAC | $40 | $0 | $40 | 1.37% |
| DAVID C. FLAHERTY3 | 105 THREE RIVERS DRIVE BRIDGEWATER, MA 02324 | AFLAC | $39 | $0 | $39 | 1.33% |
| LAURA J. LANAGAN3 | 30 CENTRE STREET, UNIT 2 NEW BEDFORD, MA 02740 | AFLAC | $16 | $0 | $16 | 0.55% |
| SHAW ASSOCIATES INC3 Filed as: SHAW ASSOCIATES, INC. | 11 JOY LANE READING, MA 01867 | AFLAC | $16 | $0 | $16 | 0.55% |
| ANDREW S SHAW3 Filed as: ANDREW S. SHAW | 11 JOY LANE READING, MA 01867 | AFLAC | $14 | $0 | $14 | 0.48% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS | 255 | $0 |
| Dental | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS | 255 | $0 |
| Vision | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS | 255 | $0 |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $36K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $36K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $36K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS | 255 | $0 |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.