| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRED C. CHURCH INC.3 Filed as: FRED C CHURCH INC | 41 WELLMAN STREET LOWELL, MA 01851 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $6K | 7.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. BESTHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $320 | $0 | $320 | 0.43% |
| FRED C. CHURCH INC.3 Filed as: FRED C CHURCH INC | 41 WELLMAN STREET LOWELL, MA 01851 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $604 | $3K | 15.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BESTHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $495 | $0 | $495 | 2.55% |
| FRED C. CHURCH INC.3 Filed as: FRED C. CHURCH INC | 41 WELLMAN STREET LOWELL, MA 01851 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $519 | $3K | 15.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. STE 500 BESTHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $435 | $0 | $435 | 2.60% |
| FRED C. CHURCH INC.3 Filed as: FRED C CHURCH INC | 41 WELLMAN STREET LOWELL, MA 01851 | VISION SERVICE PLAN | $717 | $0 | $717 | 5.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 410 BETHESDA, MD 208171199 | VISION SERVICE PLAN | $310 | $0 | $310 | 2.49% |
| FRED C. CHURCH INC.3 Filed as: FRED C CHURCH INC | 41 WELLMAN ST LOWELL, MA 01851 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $186 | $2K | 16.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14 | $0 | $14 | 0.15% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 195 | $71K |
| Vision | VISION SERVICE PLAN | 120 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 238 | $91K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 238 | $74K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 82 | $19K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 238 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.