| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 5.44% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 3.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 309 DANIEL WEBSTER HWY MERRIMACK, NH 03054 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $381 | $2K | 2.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 309 DANIEL WEBSTER HWY MERRIMACK, NH 03054 | DELTA DENTAL PLAN OF VERMONT, INC. | $2K | — | $2K | 2.54% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY INC | 225 KENNETH DRIVE ROCHESTER, NY 14623 | DELTA DENTAL PLAN OF VERMONT, INC. | $2K | — | $2K | 2.40% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF VERMONT, INC. | $800 | — | $800 | 0.97% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $5K | $11K | 23.34% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 225 KENNETH DRIVE ROCHESTER, NY 14623 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 17.18% |
| ASHLEY FOLLIS3 | 2 GRIFFITHS DR DURHAM, NH 03824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 14.45% |
| KEVIN MURPHY3 Filed as: KEVIN CONWAY | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $5 | $5K | 11.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS INC | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $445 | $2K | 5.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $900 | $243 | $1K | 2.52% |
| PIO ANDRES ORTIZ3 Filed as: PIO ORTIZ | 5 BROOK RD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $890 | $237 | $1K | 2.48% |
| JASON SHAPIRO3 | 41 BRENTON ST LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $882 | $167 | $1K | 2.31% |
| ANDREA R. HENCHEY3 Filed as: ANDREA HENCHEY | 5 EDGEMERE BLVD SHREWSBURY, MA 01545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $68 | $137 | 0.30% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 15.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 309 DANIEL WEBSTER HWY MERRIMACK, NH 03054 | MVP HEALTHCARE | $537 | — | $537 | 2.33% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY | 150 SAWGRASS DR ROCHESTER, NY 14620 | MVP HEALTHCARE | $307 | — | $307 | 1.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 309 DANIEL WEBSTER HWY MERRIMACK, NH 03054 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $97 | $2K | 9.17% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $512 | $2K | 8.57% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $648 | $648 | 2.91% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | VISION SERVICE PLAN | $987 | — | $987 | 6.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 309 DANIEL WEBSTER HWY MERRIMACK, NH 03054 | VISION SERVICE PLAN | $708 | — | $708 | 4.66% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY INC | PO BOX 948 HENRIETTA, NY 14467 | VISION SERVICE PLAN | $582 | — | $582 | 3.83% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $344 | — | $344 | 3.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 6 TOWER PLACE ALBANY, NY 12203 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $258 | — | $258 | 2.26% |
| ASHLEY FOLLIS3 | 2 GRIFFITHS DR DURHAM, NH 03824 | THE PAUL REVERE LIFE INSURANCE COMPANY | $573 | $244 | $817 | 20.64% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 225 KENNETH DRIVE ROCHESTER, NY 14623 | THE PAUL REVERE LIFE INSURANCE COMPANY | $528 | — | $528 | 13.34% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $449 | $32 | $481 | 12.15% |
| KEVIN MURPHY3 Filed as: KEVIN JOHN CONWAY | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | THE PAUL REVERE LIFE INSURANCE COMPANY | $354 | — | $354 | 8.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | THE PAUL REVERE LIFE INSURANCE COMPANY | $184 | — | $184 | 4.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | THE PAUL REVERE LIFE INSURANCE COMPANY | $94 | — | $94 | 2.37% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 56 | $855K |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 212 | $82K |
| Vision | VISION SERVICE PLAN | 87 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $84K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $84K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $38K |
| Prescription drug(4 contracts) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 56 | $821K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
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.