| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOUIS J BRUDNICK & SONS INSURANCE3 Filed as: LOUIS J BRUDNICK & SONS INC | P O BOX 6299 CHELSEA, MA 02150 | ALLWAYS HEALTH PARTNERS | $47K | $0 | $47K | 1.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | ALLWAYS HEALTH PARTNERS | $42K | $0 | $42K | 1.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR - ATTN ACCOUNTING NEW YORK, NY 10173 | ALTUS DENTAL INSURANCE COMPANY, INC. | $6K | $0 | $6K | 3.00% |
| LOUIS J BRUDNICK & SONS INSURANCE3 Filed as: LOUIS J BRUDNICK & SONS INC | P.O. BOX 6299 CHELSEA, MA 02150 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.25% |
| THE FARMINGTON COMPANY3 Filed as: THE FARMINGTON INSURANCE AGENCY INC | 99 FOX HILL RD HOLDEN, MA 01520 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 23.02% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $550 | $550 | 3.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $326 | $98 | $424 | 2.44% |
| ALAN C BOLOTIN3 Filed as: ALAN CRAIG BOLOTIN | 301 EDGEWATER PL STE 200 WAKEFIELD, MA 01880 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $361 | $0 | $361 | 2.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $783 | $344 | $1K | 7.78% |
| ALAN C BOLOTIN3 | 301 EDGEWATER PL STE 200 WAKEFIELD, MA 01880 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $865 | $0 | $865 | 5.97% |
| LOUIS J BRUDNICK & SONS INSURANCE3 Filed as: LOUIS J BRUDNICK & SONS INC | PO BOX 6299 CHELSEA, MA 02150 | VISION SERVICE PLAN | $52 | $0 | $52 | 5.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | $47 | $0 | $47 | 4.70% |
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 | 565 | 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) | 565 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLWAYS HEALTH PARTNERS | 285 | $2.9M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 502 | $188K |
| Vision | VISION SERVICE PLAN | 33 | $999 |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 565 | $57K |
| Long-term disability(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 565 | $57K |
| Other(4 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 565 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.