| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $62K | $62K | 2.91% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 33618 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 4.95% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 15.63% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | VISION SERVICE PLAN | $757 | $0 | $757 | 7.77% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 33618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $458 | $0 | $458 | 6.78% |
| SONYA L KINCH3 Filed as: SONYA KINCH | 470 PLEASANT STREET NORWOOD, MA 02062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $327 | $76 | $403 | 5.97% |
| J KING INSURANCE INC3 | 50 MAIN STREET, SUITE 2002 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $40 | $88 | 1.30% |
| LAURIE SEUBERT3 Filed as: LAURIE LEMIRE | 50 MAIN STREET, SUITE 200 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $17 | $63 | 0.93% |
| ROBERT S. TAPPAN3 Filed as: ROBERT TAPPAN | 300 OHIO AVENUE MANCHESTER, NH 03104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.90% |
| MJ INSURANCE3 Filed as: RICHARDS INC AND VARIOUS AGENTS | PO BOX 820 BRATTLEBORO, VT 05302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.68% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INC | PO BOX 820 BRATTLEBORO, VT 05302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.49% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 33618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $503 | $0 | $503 | 9.45% |
| SONYA L KINCH3 Filed as: SONYA KINCH | 470 PLEASANT STREET NORWOOD, MA 02062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $347 | $99 | $446 | 8.38% |
| J KING INSURANCE INC3 | 50 MAIN STREET, SUITE 200 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $56 | $122 | 2.29% |
| ROBERT S. TAPPAN3 Filed as: ROBERT TAPPAN | 300 OHIO AVENUE MANCHESTER, NH 03104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $0 | $91 | 1.71% |
| LAURIE SEUBERT3 Filed as: LAURIE LEMIRE | 50 MAIN STREET, SUITE 200 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $23 | $88 | 1.65% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INC | PO BOX 820 BRATTLEBORO, VT 05302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 1.33% |
| MJ INSURANCE3 Filed as: JAMES THOMPSON AND VARIOUS AGENTS | 299 COLBY ROAD WEARE, NH 03281 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.49% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 33618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $342 | $0 | $342 | 8.49% |
| SONYA L KINCH3 Filed as: SONYA KINCH | 470 PLEASANT STREET NORWOOD, MA 02062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $268 | $58 | $326 | 8.10% |
| J KING INSURANCE INC3 Filed as: J KING INSUTANCE INC | 50 MAIN STREET, SUITE 2002 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $27 | $65 | 1.61% |
| MJ INSURANCE3 Filed as: LAURRIE LEMIRE AND VARIOUS AGENTS | 50 MAIN STREET, SUITE 200 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $7 | $41 | 1.02% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INC | PO BOX 820 BRATTLEBORO, VT 05302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.87% |
| CHRISTINA MARIE KONCZESKI3 Filed as: CHRISTINA KONCZESKI | 15805 GLENARN DRIVE TAMPA, FL 33618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.82% |
| ROBERT S. TAPPAN3 Filed as: ROBERT TAPPAN | 300 OHIO AVENUE MANCHESTER, NH 03104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.67% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INC | PO BOX 820 BRATTLEBORO, VT 05302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 2.04% |
| ROBERT S. TAPPAN3 Filed as: ROBERT TAPPAN | 300 OHIO AVENUE MANCHESTER, NH 03104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 1.51% |
| JOSEPH P. ANDREWS3 Filed as: JOSEPH ANDREWS | 86 NASHUA ROAD, UNIT 1311 LONDONDERRY, NH 03053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.39% |
| EMP. CONSULTANTS AND OTHER AGENTS3 | UNKNOWN PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.13% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INC | PO BOX 820 BRATTLEBORO, VT 05302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 3.80% |
| ROBERT S. TAPPAN3 Filed as: ROBERT TAPPAN | 300 OHIO AVENUE MANCHESTER, NH 03104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 2.85% |
| JAMES A. THOMPSON3 Filed as: JAMES THOMPSON | 299 COLBY ROAD WEARE, NH 03281 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.32% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 147 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 107 | $90K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 147 | $2.1M |
| Life insurance(6 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $95K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $78K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $78K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 147 | $2.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.