| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK M DUNN3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 1.84% |
| WILLIAM B MINTURN3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 1.84% |
| WILLIAM B MINTURN3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | — | $28K | 4.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21K | — | $21K | 3.54% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $6K | $6K | 1.05% |
| NFP INSURANCE SERVICES INC3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $6K | $6K | 1.02% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.57% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 0.19% |
| DYE & ESKIN INC3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.19% |
| PATRICK M DUNN3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 4.57% |
| WILLIAM B MINTURN3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 4.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICES | — | ZURICH AMERICAN INSURANCE COMPANY | $39K | — | $39K | 15.00% |
| PATRICK M DUNN3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 6.87% |
| WILLIAM B MINTURN3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 6.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MELTZER GROUP BENEFITS | — | EYEMED VISION CARE | $7K | — | $7K | 9.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM INSURANCE COMPANY | $13K | $2K | $15K | 21.11% |
| PATRICK M DUNN3 | — | GUARDIAN | $27K | $2K | $28K | 45.82% |
| PATRICK M DUNN3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.85% |
| WILLIAM B MINTURN3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 12.14% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3K | $3K | 6.23% |
| NFP INSURANCE SERVICES INC3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 2.43% |
| WILLIAM B MINTURN3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $969 | — | $969 | 1.75% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $12 | $12 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM INSURANCE COMPANY | $7K | $1K | $8K | 21.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM INSURANCE COMPANY | $6K | $1K | $8K | 21.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 15.41% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/NFP | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 4.95% |
| NFP INSURANCE SERVICES INC3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 3.87% |
| WILLIAM B MINTURN3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $419 | — | $419 | 1.46% |
| PATRICK M DUNN3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.75% |
| WILLIAM B MINTURN3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.75% |
| PATRICK M DUNN3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.05% |
| WILLIAM B MINTURN3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.05% |
| DYE & ESKIN INC3 | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.20% |
| DYE & ESKIN INC3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 9.44% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | — | FEDERAL INSURANCE COMPANY | — | $2K | $2K | 20.00% |
| AMES & GOUGH3 | — | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BELMONT, A DIV OF GALLAGH | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $384 | $384 | 10.82% |
| MID AMERICA GROUP A DIV OF3 Filed as: MID AMERICA GROUP A DIV OF GALLAGHE | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $163 | — | $163 | 4.59% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 2.31% |
| WILLIAM B MINTURN3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 2.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 2.00% |
| NFP INSURANCE SERVICES INC3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $8 | $8 | 0.42% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/NFP | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4 | $4 | 0.21% |
| WILLIAM B MINTURN3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 7.74% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $39 | $39 | 2.30% |
| WILLIAM B MINTURN3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 5.27% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1 | $1 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | — | PROVIDENT | $2K | — | $2K | — |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | — | PROVIDENT | $1K | — | $1K | — |
| WILLIAM B MINTURN3 | — | PROVIDENT | $894 | $47 | $941 | — |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | — | PROVIDENT | — | $888 | $888 | — |
| NFP INSURANCE SERVICES INC3 | — | PROVIDENT | — | $598 | $598 | — |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL | — | PROVIDENT | — | $8 | $8 | — |
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 | 721 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNUM INSURANCE COMPANY | 187 | $143K |
| Dental | GUARDIAN | 713 | $62K |
| Vision | EYEMED VISION CARE | 1,183 | $76K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 661 | $544K |
| Long-term disability(11 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 649 | $2.2M |
| Other(9 contracts, 4 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 321 | $688K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,183 | — |
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."
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.