| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 5.18% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 4.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 4.17% |
| MELISSA J LINDSEY3 Filed as: MELISSA J. LINDSEY | 152 HARRIS ROAD SMITHFIELD, RI 02917 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $325 | $2K | 1.70% |
| ENROLLMENT SOLUTIONS LTD3 | 14 WUNSCHEL DRIVE SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $783 | $456 | $1K | 1.36% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 545 SOUTH MAIN STREET PROVIDENCE, RI 02903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $493 | $348 | $841 | 0.92% |
| IPA INC3 | 6800 JERICHO TURNPIKE SYOSSET, NY 11791 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $591 | $0 | $591 | 0.65% |
| THOMAS E KIENZLER3 | 359 WASHINGTON RD ENFIELD, CT 06082 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $205 | $0 | $205 | 0.22% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $187 | $0 | $187 | 0.20% |
| MARK R FALVEY3 | 15 GERORDAN AVE BELLINGHAM, MA 02019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $104 | $0 | $104 | 0.11% |
| JAMES R SMITH INSURANCE LTD3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.04% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 16170 JONES MALTSBERGER SAN ANTONIO, TX 78247 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.04% |
| TOMMY TAM3 | 232 EAST 74TH STREET NEW YORK, NY 10021 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.03% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.02% |
| GLORIA MEKELBURG3 | 3 RIVERVIEW CT OAKDALE, NY 11769 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.01% |
| WILLIAM E GOOD3 | 2799 FLOWING SPRINGS RD SPRING CITY, PA 19475 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| SALATHIEL MALDONADO3 | 3717 CYPRESS AVE BROOKLYN, NY 11224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| BRIAN SUMMERS3 | 90 WEST STREET NEW YORK, NY 10006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | UNION SECURITY INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 15.68% |
| JAMEL WRIGHT3 | 341 MIDWOOD ST BROOKLYN, NY 11225 | THE PAUL REVERE LIFE INSURANCE COMPANY | $325 | $304 | $629 | 4.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | THE PAUL REVERE LIFE INSURANCE COMPANY | $521 | $0 | $521 | 3.63% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | THE PAUL REVERE LIFE INSURANCE COMPANY | $378 | $26 | $404 | 2.81% |
| MELISSA J LINDSEY3 Filed as: MELISSA J. LINDSEY | 152 HARRIS ROAD SMITHFIELD, RI 02917 | THE PAUL REVERE LIFE INSURANCE COMPANY | $171 | $23 | $194 | 1.35% |
| MARK R FALVEY3 Filed as: MARK R. FALVEY | 15 GERORDAN AVE BELLINGHAM, MA 02019 | THE PAUL REVERE LIFE INSURANCE COMPANY | $132 | $0 | $132 | 0.92% |
| ENROLLMENT SOLUTIONS LTD3 | 14 WUNSCHEL DRIVE SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $103 | $2 | $105 | 0.73% |
| DAVID L FLEURY3 | 545 SOUTH MAIN ST PROVIDENCE, RI 02903 | THE PAUL REVERE LIFE INSURANCE COMPANY | $65 | $2 | $67 | 0.47% |
| IPA INC3 | 6800 JERICHO TURNPIKE SYOSSET, NY 11791 | THE PAUL REVERE LIFE INSURANCE COMPANY | $47 | $0 | $47 | 0.33% |
| BRAD BIEL3 | 2 GOLD STREET NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $37 | $0 | $37 | 0.26% |
| WILLIAM E GOOD3 | 2799 FLOWING SPRINGS ROAD SPRING CITY, PA 19475 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.07% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 114 | $27K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $17K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 215 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.