| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBLIN INSURANCE AGENCY3 Filed as: ROBLIN INSURANCE AGENCY, INC | 144 GOULD ST #100 NEEDHAM, MA 02494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $88K | $4K | $93K | 14.51% |
| ROBLIN INSURANCE AGENCY3 Filed as: ROBLIN INSURANCE AGENCY, INC | 144 GOULD STREET, #100 NEEDHAM, MA 02494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | $4K | $55K | 8.90% |
| ROBLIN INSURANCE AGENCY3 Filed as: ROBLIN INSURANCE AGENCY, INC. | 144 GOULD STREET #100 NEEDHAM, MA 02494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $2K | $31K | 12.19% |
| ROBLIN INSURANCE AGENCY3 Filed as: ROBLIN INSURANCE AGENCY, INC | 144 GOULD ST, #100 NEEDHAM, MA 02494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $482 | $5K | 7.36% |
| ROBLIN INSURANCE AGENCY3 Filed as: ROBLIN INSURANCE AGENCY, INC | 144 GOULD ST, #100 NEEDHAM, MA 02494 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 16.43% |
| ROBLIN INSURANCE AGENCY3 Filed as: ROBLIN INS AGENCY, INC. | 144 GOULD ST, #1 NEEDHAM, MA 02494 | METROPOLITAN LIFE INSURANCE COMPANY | $22 | — | $22 | 15.49% |
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 | 2,926 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,976 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,521 | $872K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,193 | $709K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,521 | $681K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,521 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.