| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 800 BOYLSTON ST STE 600 BOSTON, MA 02199 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 3.69% |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES INC | 300 E 2ND ST STE 1300 RENO, NV 89501 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 1.96% |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES INC | 300 E 2ND ST STE 1300 RENO, NV 89501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $760 | — | $760 | 1.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 75 ARLINGTON ST, FLOOR 10 BOSTON, MA 02116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $631 | — | $631 | 1.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 416672 BOSTON, MA 02241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.68% |
| THE GETCHELL COMPANIES3 Filed as: GETCHELL COMPANIES INS SVCS INC | PO BOX 844 STOW, MA 01775 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 416672 BOSTON, MA 02241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.89% |
| THE GETCHELL COMPANIES3 Filed as: GETCHELL COMPANIES INS SVCS INC | PO BOX 844 STOW, MA 01775 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $977 | — | $977 | 2.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 416672 BOSTON, MA 02241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.44% |
| THE GETCHELL COMPANIES3 Filed as: GETCHELL COMPANIES INS SVCS INC | PO BOX 844 STOW, MA 01775 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $349 | — | $349 | 2.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 416672 BOSTON, MA 02241 | VISION SERVICE PLAN | $255 | — | $255 | 3.26% |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES INC | 300 E 2ND ST STE 1300 RENO, NV 89501 | VISION SERVICE PLAN | $240 | — | $240 | 3.07% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KROGER AVE STE 200 ST. PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $34 | — | $34 | 10.06% |
| THE GETCHELL COMPANIES3 Filed as: GETCHELL COMPANIES INSURANCE | 183 GREAT RD STOW, MA 01775 | METLIFE LEGAL PLANS | $34 | — | $34 | 10.06% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BLDG 1, SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | — | $17 | $17 | 5.03% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $476K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $62K |
| Vision | VISION SERVICE PLAN | 0 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 237 | $13K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $50K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $35K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 237 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.