| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $14K | — | $14K | 2.42% |
| MOORADIAN, JAMES, W3 Filed as: MOORADIAN JAMES W. | 277 DARTMOUTH STREET 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $42K | $69K | 17.43% |
| LAMBERT, BRYAN, E3 Filed as: LAMBERT BRYAN E. | 277 DARTMOUTH STREET 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | — | $28K | 7.09% |
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $10K | $21K | 8.08% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | 233 WEST CENTRAL STREET NATICK, MA 01760 | GERBER | $0 | $39K | $39K | 16.74% |
| BLUE BENEFIT ADMINISTRATORS OF MASS5 Filed as: BLUE BENEFIT ADMINISTRATORS | P.O. BOX 55917 BOSTON, MA 022055917 | GERBER | $0 | $0 | $0 | 0.00% |
| LAMBERT, BRYAN, E3 Filed as: LAMBERT JR, BRYAN E. | 277 DARTMOUTH STREET 4TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.83% |
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 4.32% |
| MOORADIAN, JAMES, W3 Filed as: MOORADIAN, JAMES W. | 277 DARTMOUTH STREET 4TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.04% |
| ALLEN, CHRISTOPHER M3 Filed as: ALLEN, CHRISTOPHER M. | 277 DARTMOUTH STREET 4TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.82% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PKWY SUITE 400 WAKEFIELD, MA 01880 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 9.19% |
| MOORADIAN, JAMES, W3 Filed as: MOORADIAN, JAMES W. | 277 DARTMOUTH STREET 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 18.38% |
| LAMBERT, BRYAN, E3 Filed as: LAMBERT, BRYAN E. | 277 DARTMOUTH STREET 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 7.24% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | FEDERAL INSURANCE COMPANY | $225 | $60 | $285 | 19.00% |
| MOORADIAN, JAMES, W3 Filed as: MOORADIAN JAMES W. | 277 DARTMOUTH STREET 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $137 | $130 | $267 | — |
| LAMBERT, BRYAN, E3 Filed as: LAMBERT BRYAN E. | 277 DARTMOUTH STREET 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $159 | — | $159 | — |
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 | 698 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 698 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER | 556 | $236K |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 612 | $579K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,085 | $60K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 698 | $371K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 698 | $261K |
| Long-term disability(4 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 698 | $674K |
| Prescription drug | GERBER | 556 | $236K |
| Stop-loss / reinsurancereinsurance | GERBER | 556 | $236K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 698 | $372K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,085 | — |
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.