| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $66K | $0 | $66K | 1.50% |
| LOUIS R FAIOLA3 Filed as: LOUIS J. BRUDNICK & SONS INSUR | 100 EVERTT AVE UNIT 1 CHELSEA, MA 02150 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $66K | $0 | $66K | 1.50% |
| LOUIS J BRUDNICK & SONS INSURANCE3 Filed as: LOUIS J BRUDNICK & SONS INS | 100 EVERTT AVE UNIT 1 CHELSEA, MA 02150 | HEALTH NEW ENGLAND, INC. | $24K | $0 | $24K | 1.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | HEALTH NEW ENGLAND, INC. | $24K | $0 | $24K | 1.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | ALTUS DENTAL INSURANCE COMPANY, INC. | $4K | $0 | $4K | 1.80% |
| LOUIS J BRUDNICK & SONS INSURANCE3 Filed as: LOUIS J BRUDNICK & SONS INS | PO BOX 6299 CHELSEA, MA 02150 | ALTUS DENTAL INSURANCE COMPANY, INC. | $4K | $0 | $4K | 1.80% |
| LOUIS R FAIOLA3 Filed as: LOUIS J. BRUDNICK & SONS INSUR | 100 EVERTT AVE UNIT 1 CHELSEA, MA 02150 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $4K | $0 | $4K | 3.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $4K | $0 | $4K | 2.89% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | -$1 | $4K | 3.61% |
| 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 | $3K | $82 | $3K | 2.71% |
| LOUIS J BRUDNICK & SONS INSURANCE3 | PO BOX 6299 CHELSEA, MA 02150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $826 | $0 | $826 | 0.72% |
| ALAN C BOLOTIN3 Filed as: ALAN CRAIG BOLOTIN | 301 EDGEWATER PL STE 200 WAKEFIELD, MA 01880 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $446 | $0 | $446 | 0.39% |
| LOUIS J BRUDNICK & SONS INSURANCE3 | POBOX 6299 CHELSEA, MA 02150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 9.66% |
| 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 | $930 | $0 | $930 | 1.02% |
| ALAN C BOLOTIN3 | 301 EDGEWATER PL STE 200 WAKEFIELD, MA 01880 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$12 | $0 | -$12 | -0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 16341 AMOTA CT ENCINO, CA 91436 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $367 | $934 | $1K | 2.82% |
| LOUIS J BRUDNICK & SONS INSURANCE3 Filed as: LOUIS J BRUDNICK & SONS INSURA | 100 EVERET AVE UNIT 1 P.O. BOX 6299 CHELSEA, MA 02150 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.20% |
| NEW YORK RHB, LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 0.02% |
| LOUIS J BRUDNICK & SONS INSURANCE3 | PO BOX 6299 CHELSEA, MA 02150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 16.20% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $487 | $0 | $487 | 1.28% |
| KIMBERLY ANNE CUNNINGHAM3 Filed as: KIMBERLY CUNNINGHAM | 266 FERRY LANDING CIRCLE PORTSMOUTH, RI 02871 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $324 | $0 | $324 | 0.85% |
| 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 | $297 | $0 | $297 | 0.78% |
| ALAN C BOLOTIN3 | 301 EDGEWATER PL STE 200 WAKEFIELD, MA 01880 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$39 | $0 | -$39 | -0.10% |
| AON CONSULTING INC3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$175 | $0 | -$175 | -0.46% |
| LOUIS J BRUDNICK & SONS INSURANCE3 | PO BOX 6299 CHELSEA, MA 02150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 13.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $634 | $0 | $634 | 1.88% |
| ALAN C BOLOTIN3 | 301 EDGEWATER PL STE 200 WAKEFIELD, MA 01880 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$33 | $0 | -$33 | -0.10% |
| LOUIS J BRUDNICK & SONS INSURANCE3 | PO BOX 6299 CHELSEA, MA 02150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 13.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $346 | $0 | $346 | 1.03% |
| ALAN C BOLOTIN3 | 301 EDGEWATER PL STE 200 WAKEFIELD, MA 01880 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$180 | $0 | -$180 | -0.53% |
| LOUIS J BRUDNICK & SONS INSURANCE3 Filed as: LOUIS J BRUDNICK & SONS INC | 100 EVERETT AVE UNIT 1 CHELSEA, MA 02150 | VISION SERVICE PLAN | $989 | $0 | $989 | 4.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | $989 | $0 | $989 | 4.97% |
| 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 | $1K | $0 | $1K | 7.58% |
| LOUIS J BRUDNICK & SONS INSURANCE3 | PO BOX 6299 CHELSEA, MA 02150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $308 | $0 | $308 | 1.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $223 | $0 | $223 | 1.19% |
| ALAN C BOLOTIN3 | 301 EDGEWATER PL STE 200 WAKEFIELD, MA 01880 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55 | $0 | $55 | 0.29% |
| LOUIS R FAIOLA3 Filed as: LOUIS J. BRUDNICK & SONS INSUR | PO BOX 6299 CHELSEA, MA 02150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 7.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 7.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $729 | $0 | $729 | 4.90% |
| LOUIS R FAIOLA3 Filed as: LOUIS J. BRUDNICK & SONS INSUR | PO BOX 6299 CHELSEA, MA 02150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $584 | $0 | $584 | 3.93% |
| LOUIS R FAIOLA3 Filed as: LOUIS J. BRUDNICK & SONS INSUR | PO BOX 6299 CHELSEA, MA 02150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $555 | $0 | $555 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $459 | $34 | $493 | 4.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $507 | $25 | $532 | 8.71% |
| LOUIS R FAIOLA3 Filed as: LOUIS J. BRUDNICK & SONS INSUR | PO BOX 6299 CHELSEA, MA 02150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $458 | $0 | $458 | 7.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $178 | $0 | $178 | 3.91% |
| NFP INSURANCE SERVICES INC3 | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $140 | $0 | $140 | 4.99% |
| LOUIS R FAIOLA3 Filed as: LOUIS J. BRUDNICK & SONS INSUR | PO BOX 6299 CHELSEA, MA 02150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38 | $0 | $38 | 1.35% |
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 | 780 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 786 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 529 | $6.1M |
| Dental(3 contracts, 3 carriers) | ALTUS DENTAL INSURANCE COMPANY, INC. | 489 | $393K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 266 | $148K |
| Life insurance(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 643 | $158K |
| Short-term disability(4 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 146 | $146K |
| Long-term disability(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 643 | $146K |
| Other(8 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 643 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 643 | — |
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."
No prospect flags tripped on this filing.