| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEFEBVRE, KENNETH M3 | ONE OLD NORTH ROAD CHELMSFORD, MA 01824 | HARVARD PILGRIM HEALTH CARE | $10K | $0 | $10K | 1.04% |
| PENTRA LLC3 | TWO VILLANOVA CENTER 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | HARVARD PILGRIM HEALTH CARE | $7K | $0 | $7K | 0.78% |
| LEFEBVRE, KENNETH M3 | ONE OLD NORTH ROAD CHELMSFORD, MA 01824 | HARVARD PILGRIM HEALTH CARE | $8K | $0 | $8K | 1.02% |
| PENTRA LLC3 | TWO VILLANOVA CENTER 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | HARVARD PILGRIM HEALTH CARE | $6K | $0 | $6K | 0.77% |
| LEFEBVRE, KENNETH M3 | 227 CHELMSFORD ST CHELMSFORD, MA 01824 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 3.91% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 2.63% |
| KENNETH C MEIER CORP3 Filed as: KENNETH M. LEFEBVRE | 3 MOONBEAM AVE. CHELMSFORD, MA 01824 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $2K | $0 | $2K | 1.91% |
| PENTRA LLC3 Filed as: PENTRA, INC. | 795 EAST LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $2K | $0 | $2K | 1.79% |
| KENNETH C MEIER CORP3 Filed as: KENNETH LEFEBVRE | ONE OLDE NORTH ROAD CHELMSFORD, MA 01824 | VISION SERVICE PLAN | $607 | $0 | $607 | 4.64% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | VISION SERVICE PLAN | $209 | $0 | $209 | 1.60% |
| STEPHEN SNOW3 Filed as: STEPHEN P SNOW | 153 CORDAVILLE RD SOUTHBOROUGH, MA 01772 | AFLAC | $304 | $16 | $320 | 5.59% |
| THOMAS E ACKERMAN II3 | 30 WHEELER RD RUTLAND, MA 01543 | AFLAC | $69 | $0 | $69 | 1.20% |
| MAUREEN E SNOW3 | 68 WINGATE RD HOLLISTON, MA 01746 | AFLAC | $54 | $0 | $54 | 0.94% |
| FRED SNOW3 Filed as: FRED S SNOW | 27 JERROLD ST HOLLISTON, MA 01746 | AFLAC | $54 | $0 | $54 | 0.94% |
| DANIEL P CLARK3 | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $40 | $0 | $40 | 0.70% |
| ACCESS ENROLL3 Filed as: ACCESS ENROLLMENT SOLUTIONS INC | 153 CORDAVILLE RD STE 120 SOUTHBOROUGH, MA 01772 | AFLAC | $27 | $0 | $27 | 0.47% |
| BRANDI L KEBALKA3 | 20 RANELEGH RD BRIGHTON, MA 02135 | AFLAC | $22 | $0 | $22 | 0.38% |
| JILL SCIRPO3 | 6 WILLETT POND RD WESTWOOD, MA 02090 | AFLAC | $3 | $0 | $3 | 0.05% |
| NATHAN A HUMMER3 | 5 WEBBER RD WESTFORD, MA 01886 | AFLAC | $1 | $0 | $1 | 0.02% |
| LEFEBVRE, KENNETH M3 | ONE OLD NORTH ROAD CHELMSFORD, MA 01824 | HARVARD PILGRIM HEALTH CARE | $25 | $0 | $25 | 1.08% |
| PENTRA LLC3 | TWO VILLANOVA CENTER 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | HARVARD PILGRIM HEALTH CARE | $19 | $0 | $19 | 0.82% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 168 | $1.8M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 203 | $95K |
| Vision | VISION SERVICE PLAN | 95 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $160K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $160K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $160K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.