| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CALIBER BENEFITS GROUP3 | 20 PARK PLAZA BOSTON, MA 02116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38K | $702 | $39K | 12.11% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS, LTD | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $6K | $12K | 3.88% |
| JASON SCZEPANIAK3 Filed as: JASON C. SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $404 | $3K | 1.07% |
| DAN YAARY3 | 13303 CREEKVIEW ROAD PROSPECT, KY 40059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $316 | $2K | 0.66% |
| INSURANCE NETWORK AND OTHER AGENTS3 | PO BOX 178 NEW PORT, RI 02840 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $131 | $2K | 0.59% |
| ASHLEY FOLLIS3 | 2 GRIFFITHS DRIVE DURHAM, NH 03824 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $166 | $1K | 0.45% |
| AXEL H HALVARSON3 Filed as: AXEL H. HALVARSON | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $433 | $0 | $433 | 0.14% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | PO BOX 820 BRATTLEBORO, VT 05302 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.58% |
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $188 | $2K | 10.42% |
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 | 334 | 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) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 296 | $31K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 334 | $343K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 207 | $320K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 349 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.