| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 20TH FLOOR NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $42K | $12K | $54K | 4.69% |
| PRW ASSOCIATES INSURANCE AGENCY INC3 | 1 PINE HILL DRIVE BATTERY MARCH PARK II FL 5 QUINCY, MA 02169 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES, INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $738 | $12 | $750 | 0.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 6.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NE 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 14.97% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA & COMPANY INSURANCE AGENCY | 500 FAUNCE CORNER RD DARTMOUTH, MA 02747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 10.51% |
| FREDERICK D LEIGH3 | 29 RAMBLIN BROOK RD SEEKONK, MA 02771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $885 | $292 | $1K | 7.99% |
| RUSSELL LEONARD SAUNDERS3 | 4 WILSON ST. WAREHAM, MA 02571 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $496 | $208 | $704 | 4.78% |
| STEVEN RUEL3 | DEXTER LANE MATTAPOISETT, MA 02739 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $320 | $523 | 3.55% |
| EDWARD JOHN MCNEIL3 | 27 LEE RD MEDFIELD, MA 02052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $273 | $455 | 3.09% |
| CHARLES S HOURIHAN3 | 12 HILLINGTON DR NORTH EASTON, MA 02356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $363 | $0 | $363 | 2.46% |
| SUSAN ANN NORQUIST3 | 14 BEECHWOOD DRIVE RUTLAND, MA 01543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $174 | $203 | 1.38% |
| CHRISTINE GORDON3 | 73 WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | $0 | $181 | 1.23% |
| THOMAS W BOSTON3 Filed as: THOMAS EDWARD ACKERMAN | 34 CEDAR ST WORCESTER, MA 01609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $141 | $170 | 1.15% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $49 | $125 | 0.85% |
| DB INSURANCE INC3 | 10 PEACH TREE LANE DANVERS, MA 01923 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $62 | $124 | 0.84% |
| LYNN MARIE BARRY3 | 301 W PARK AVE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $9 | $28 | 0.19% |
| MICHAEL S OBERLANDER3 | P.O. BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.17% |
| ENROLLMENT SOLUTIONS LTD3 | 14 WUNSCHEL DR SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.17% |
| LISA M AMBRUSON3 | P.O. BOX 1222 WARREN, MA 01083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.13% |
| DAVID L FLEURY3 | 545 SOUTH WATER ST PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.09% |
| JANET S DOHERTY3 | 26 PEARL STREET WEST SIDNEY, NY 13838 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $6 | $8 | 0.05% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVE 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $1K | $0 | $1K | 10.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $364 | $0 | $364 | 12.00% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 224 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $83K |
| Vision | EYEMED VISION CARE | 161 | $9K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $115K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $57K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $16K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 196 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.