| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $34K | $11K | $45K | 2.60% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $5K | $16K | 13.48% |
| STEPHEN SNOW3 | 153 CORDAVILLE ROAD SOUTHBOROUGH, MA 01772 | AFLAC | $3K | $72 | $3K | 8.49% |
| DANIEL P CLARK3 Filed as: DANIEL CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $317 | $0 | $317 | 0.84% |
| MJ INSURANCE3 Filed as: UNKNOWN AND VARIOUS AGENTS | 7450 HOLLY HILL DRIVE APARTMENT 111 DALLAS, TX 75231 | AFLAC | $280 | $0 | $280 | 0.74% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE ROAD HOLLISTON, MA 01746 | AFLAC | $228 | $0 | $228 | 0.60% |
| THOMAS E ACKERMAN II3 Filed as: THOMAS ACKERMAN II | 30 WHEELER ROAD RUTLAND, MA 01543 | AFLAC | $115 | $0 | $115 | 0.30% |
| DAVID GRONDIN3 | 153 CORDAVILLE ROAD, SUITE 120 SOUTHBOROUGH, MA 01772 | AFLAC | $109 | $0 | $109 | 0.29% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PKWY, SUITE 400 WAKEFIELD, MA 01880 | AFLAC | $98 | $0 | $98 | 0.26% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | EYEMED | $3K | $0 | $3K | 10.65% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 351 | $1.7M |
| Vision | EYEMED | 256 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $120K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $120K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $120K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 351 | $1.7M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.