| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - | NEW ENGLAND 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | $0 | $31K | 2.51% |
| MATTHEW J COONEY3 | 15 RICHLAND RD WELLESLY HLS, MA 024811111 | UNITEDHEALTHCARE INSURANCE COMPANY | -$100 | $0 | -$100 | -0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, STE 401 BOSTON, MA 02199 | ALTUS DENTAL INSURANCE COMPANY, INC. | $5K | $0 | $5K | 5.72% |
| MATTHEW J COONEY3 | 15 RICHLAND RD WELLESLEY, MA 024811111 | VISION SERVICE PLAN | $680 | $0 | $680 | 7.13% |
| MATTHEW J COONEY3 | COONEY HEALTH INC 15 RICHLAND ROAD WELLESLEY, MA 024811111 | PRINCIPAL LIFE INSURANCE COMPANY | $610 | $0 | $610 | 7.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 016081435 | PRINCIPAL LIFE INSURANCE COMPANY | $53 | $0 | $53 | 0.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: A MARSH & MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $242 | $0 | $242 | 6.93% |
| MATTHEW J COONEY3 | 15 RICHLAND RD WELLESLEY HILLS, MA 02481 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $242 | $0 | $242 | 6.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $393 | $0 | $393 | 14.99% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 116 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 188 | $1.2M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 194 | $94K |
| Vision | VISION SERVICE PLAN | 128 | $10K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 142 | $3K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 48 | $8K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 23 | $3K |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 142 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.