| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRIS M. ALLEN3 | 20 PARK PLAZA BOSTON, MA 02116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $78K | $8K | $86K | 38.60% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $14K | $35K | 15.72% |
| BRYAN LAMBERT3 | 20 PARK PLAZA BOSTON, MA 02116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26K | $1K | $27K | 12.16% |
| CHRISTINE GORDON3 | 73 WARREN AVENUE PLYMOUTH, MA 02360 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 3.90% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: INSURANCE NETWORK OF NEW ENGLAND | PO BOX 178 NEW PORT, RI 02840 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $4 | $9K | 3.87% |
| AXEL H HALVARSON3 Filed as: AXEL H. HALVERSON | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $567 | $8K | 3.68% |
| SUZANNE BRATTON TUCKER3 Filed as: SUZANNE B. TUCKER & OTHER AGENTS | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $807 | $7K | 3.14% |
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05301 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.20% |
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $253 | $2K | 11.61% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 304 | $38K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 322 | $241K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 198 | $222K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 330 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.