| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANC COMPANY | $0 | $265K | $265K | 5.09% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANC COMPANY | $0 | $104K | $104K | 2.00% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | MVP HEALTHCARE | $43K | $0 | $43K | 5.07% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $94K | $0 | $94K | 20.19% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $15K | $15K | 3.30% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $10K | $21K | 9.67% |
| CLARK INSURANCE3 Filed as: CLARK & LAVEY BENEFITS SOLUTIONS | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $4K | $0 | $4K | 2.52% |
| HILB GROUP OF NEW ENGLAND3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $1K | $0 | $1K | 0.81% |
| CLARK & LAVEY3 Filed as: CLARK & LAVEY BENEFITS | 7 HENRY CLAY DR MERRIMACK, NH 03054 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $8K | 9.31% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 5.90% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.76% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $3K | $0 | $3K | 4.83% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | VSP | $4K | $0 | $4K | 8.04% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | VSP | $4K | $0 | $4K | 8.04% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $2K | $989 | $3K | 9.83% |
| CLARK INSURANCE3 Filed as: CLARK & LAVEY BENEFITS SOLUTIONS | 7 HENRY CLAY DR MERRIMACK, NH 03054 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $345 | $2K | $2K | 5.82% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $0 | $1K | $1K | 4.12% |
| CLARK & LAVEY BENEFIT SOLUTIONS3 Filed as: CLARK & LEVY BENEFITS | 7 HENRY CLAY DR MERRIMACK, NH 03054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $479 | $0 | $479 | 1.62% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $392 | $0 | $392 | 1.33% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP | N/A MERRIMACK, NH 03054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | $0 | $302 | 1.02% |
| LORI ANN MARTINEZ3 | 11 MONUMENT DR OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | $0 | $218 | 0.74% |
| COLGATE BENEFITS INC3 | 43 MAGILL DR GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | $0 | $215 | 0.73% |
| ASHLEY FOLLIS3 | 2 GRIFFITH DR DURHAM, NH 03824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | $0 | $198 | 0.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $0 | $124 | 0.42% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $0 | $109 | 0.37% |
| STEPHANIE DECHRISTOFARO3 | 1225 BLACK OACK DR MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $0 | $43 | 0.15% |
| KARIN ANGELIS3 | 2639 N RIVERSIDE DRIVE POMPANO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.14% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.08% |
| STEPHEN CORRIVEAU3 | 420 GRANGE RD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | $0 | $3K | 15.09% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $2K | $0 | $2K | 15.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS INC EIN 04-2734278 TPA | Claims processing; Other services Service code 12 | — | $163K |
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 | 601 | 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) | 601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANC COMPANY | 673 | $6.3M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 259 | $243K |
| Vision(3 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC | 308 | $168K |
| Life insurance(5 contracts, 5 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 601 | $1.6M |
| Short-term disability(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 601 | $591K |
| Long-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $146K |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 601 | $642K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.