| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSSPOINT FINANCIAL ADVISORS LLC3 | 224 CHELMSFORD STREET CHELMSFORD, MA 01824 | HPHC INSURANCE COMPANY, INC. | $53K | — | $53K | 15.00% |
| KENNETH C MEIER CORP3 Filed as: KENNETH LEFEBVRE | 227 CHELMSFORD STREET CHELMSFORD, MA 01824 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 8.63% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $932 | $932 | 0.81% |
| KENNETH C MEIER CORP3 Filed as: KENNETH M. LEFEBVRE | 3 MOONBEAM AVENUE CHELMSFORD, MA 01824 | DENTAL SERVICES OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $4K | — | $4K | 4.97% |
| KENNETH C MEIER CORP3 Filed as: KENNETH LEFEBVRE | 227 CHELMSFORD STREET CHELMSFORD, MA 01824 | VISION SERVICE PLAN | $739 | — | $739 | 7.56% |
| STEPHEN SNOW3 | 153 CORDAVILLE ROAD SOUTHBOROUGH, MA 01772 | AFLAC | $356 | $9 | $365 | 5.08% |
| THOMAS E ACKERMAN II3 Filed as: THOMAS ACKERMAN II | 30 WHEELER ROAD RUTHLAND, MA 01543 | AFLAC | $93 | — | $93 | 1.29% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE ROAD HOLLISTON, MA 01746 | AFLAC | $56 | $25 | $81 | 1.13% |
| FRED SNOW3 | 27 JERROLD STREET HOLLISTON, MA 01746 | AFLAC | $49 | $15 | $64 | 0.89% |
| DANIEL P CLARK3 Filed as: DANIEL CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $51 | $8 | $59 | 0.82% |
| BRANDI KEBALKA3 | 3 MERIDIAN AVENUE HULL, MA 02045 | AFLAC | $39 | — | $39 | 0.54% |
| ACCESS ENROLL3 Filed as: ACCESS ENROLLMENT SOLUTIONS INC | 153 CORDAVILLE ROAD SUITE 120 SOUTHBOROUGH, MA 01772 | AFLAC | $22 | — | $22 | 0.31% |
| JILL SCIRPO3 | 6 WILLETT POND ROAD WESTWOOD, MA 02090 | AFLAC | $4 | — | $4 | 0.06% |
| NATHAN A HUMMER3 Filed as: NATHAN HUMMER | 5 WEBBER ROAD WESTFORD, MA 01886 | AFLAC | $2 | — | $2 | 0.03% |
| JONATHAN LANGBERG3 | 118 CARTER STREET UNIT 2 LANCASTER, MA 01523 | AFLAC | $2 | — | $2 | 0.03% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL SERVICES OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 163 | $87K |
| Vision | VISION SERVICE PLAN | 71 | $10K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $115K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $115K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $115K |
| Stop-loss / reinsurancereinsurance | HPHC INSURANCE COMPANY, INC. | 96 | $351K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.