| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE BRENTWOOD, TN 37207 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $71K | $71K | 3.86% |
| GALLAGHER BENEFIT SERVICES, INC.5 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $5K | $1K | $6K | 4.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $107 | $107 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $571 | $0 | $571 | 4.54% |
| DAVID C. FLAHERTY3 Filed as: DAVID C. FLAHERTY, INC. | 105 THREE RIVERS DRIVE BRIDGEWATER, MA 02324 | CONTINENTAL AMERICAN INSURANCE COMPANY | $202 | $0 | $202 | 1.61% |
| ERIN F. MURPHY3 | 125 BUCK KNOLL RAYNHAM, MA 02767 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | $0 | $133 | 1.06% |
| KENNETH H. PLATTER3 | 18 SCOTCH DAM ROAD SOUTH EASTON, MA 02375 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | $0 | $118 | 0.94% |
| SHAW ASSOCIATES INC3 Filed as: SHAW ASSOCIATES, INC. | 3417 73RD STREET, SUITE R 1ST FLOOR SHARON, MA 02067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | $0 | $115 | 0.91% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $659 | $0 | $659 | 17.01% |
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 | 278 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 221 | $1.8M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 349 | $128K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 273 | $18K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $122K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $109K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $109K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 221 | $1.8M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.