| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $82K | $18K | $100K | 2.00% |
| LOUIS R FAIOLA3 Filed as: LOUIS J. BRUDNICK & SONS INSUR | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $82K | $0 | $82K | 1.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | HEALTH NEW ENGLAND, INC. | $23K | $0 | $23K | 1.23% |
| LOUIS J BRUDNICK & SONS INSURANCE3 Filed as: LOUIS J BRUDNICK & SONS INS | — | HEALTH NEW ENGLAND, INC. | $17K | $0 | $17K | 0.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 6.82% |
| LOUIS J BRUDNICK & SONS INSURANCE3 Filed as: LOUIS J. BRUDNICK & SONS INSURANCE | PO BOX 6299 CHELSEA, MA 02150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 5.82% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 2.20% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 7.20% |
| KIMBERLY ANNE CUNNINGHAM3 Filed as: KIMBERLY A CUNNINGHAM | 266 FERRY LANDING CIRCLE PORTSMOUTH, RI 02871 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 4.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $544 | $6K | 4.40% |
| LOUIS J BRUDNICK & SONS INSURANCE3 | PO BOX 6299 CHELSEA, MA 02150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 10.88% |
| LOUIS J BRUDNICK & SONS INSURANCE3 Filed as: LOUIS J. BRUDNICK & SONS INSURANCE | PO BOX 6299 CHELSEA, MA 02150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 8.99% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $10K | $10K | 7.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 8.50% |
| LOUIS J BRUDNICK & SONS INSURANCE3 Filed as: LOUIS J. BRUDNICK & SONS INSURANCE | PO BOX 6299 CHELSEA, MA 02150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 7.50% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 5.00% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 6.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | PO BOX 9101 PLAINVIEW, NY 11803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $305 | $2K | 5.06% |
| KIMBERLY ANNE CUNNINGHAM3 | 266 FERRY LANDING CIRCLE PORTSMOUTH, RI 02871 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.27% |
| LOUIS J BRUDNICK & SONS INSURANCE3 Filed as: LOUIS J. BRUDNICK & SONS INSURANCE | PO BOX 6299 CHELSEA, MA 02150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.40% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 2000 CHAPEL VIEW BLVD SUITE 240 CRANSTON, RI 02920 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $564 | $564 | 1.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $334 | $0 | $334 | 0.93% |
| ALAN C BOLOTIN3 Filed as: ALAN CRAIG BOLOTIN | 4086 LIVE OAK BLVD DELRAY BEACH, FL 33445 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.09% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $4K | $1K | $6K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM INSURANCE COMPANY | $2K | $242 | $2K | 6.26% |
| LOUIS R FAIOLA3 Filed as: LOUIS J. BRUDNICK & SONS INSUR | PO BOX 6299 CHELSEA, MA 02150 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 5.44% |
| KIMERBLY A CUNNINGHAM3 | 266 FERRY LANDING CIRCLE PORTSMOUTH, RI 02871 | UNUM INSURANCE COMPANY | $952 | $0 | $952 | 3.23% |
| LOUIS J BRUDNICK & SONS INSURANCE3 | 100 EVERETT AVE UNIT 1 CHELSEA, MA 02150 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE 32ND FL NEW YORK, NY 10166 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.01% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR INC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $84 | $0 | $84 | 0.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $3K | $0 | $3K | 37.73% |
| LOUIS J BRUDNICK & SONS INSURANCE3 Filed as: LOUIS J. BRUDNICK & SONS | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $3K | $0 | $3K | 37.73% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $216 | $0 | $216 | 7.21% |
| KIMBERLY ANNE CUNNINGHAM3 | 266 FERRY LANDING CIRCLE PORTSMOUTH, RI 02871 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $144 | $0 | $144 | 4.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | PO BOX 9101 PLANVIEW, NC 11803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $120 | $15 | $135 | 4.51% |
| LOUIS J BRUDNICK & SONS INSURANCE3 Filed as: LOUIS J. BRUDNICK & SONS INSURANCE | PO BOX 6299 CHELSEA, MA 02150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $120 | $0 | $120 | 4.01% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 2000 CHAPEL VIEW BLVD CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $40 | $40 | 1.34% |
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 | 1,276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,284 | 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. | 594 | $6.8M |
| Dental(2 contracts) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 594 | $5.0M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 308 | $37K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 977 | $261K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $131K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 977 | $270K |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,594 | $492K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,594 | — |
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.