| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MASS FNCL SVCS INS AGCY INC3 Filed as: MASS FINANCIAL SVCS INS AGENCY, INC | ONE WASHINGTON MALL 8TH FLOOR BOSTON, MA 02108 | THE HARTFORD | $9K | $358 | $9K | 14.14% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | THE HARTFORD | — | $5K | $5K | 7.00% |
| MASS FNCL SVCS INS AGCY INC3 Filed as: MASS FINANCIAL SVCS INS AGENCY, INC | ONE WASHINGTON MALL 8TH FLOOR BOSTON, MA 02108 | VISION SERVICE PLAN | $2K | — | $2K | 7.01% |
| STEPHEN CORRIVEAU3 | 420 GRANGE RD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INS CO | $952 | — | $952 | 5.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE WILMINGTON, MA 01887 | COLONIAL LIFE & ACCIDENT INS CO | $686 | $17 | $703 | 3.82% |
| ANDREA R. HENCHEY3 Filed as: ANDREA R HENCHEY | 5 EDGEMERE BLVD SHREWSBURY, MA 01545 | COLONIAL LIFE & ACCIDENT INS CO | $194 | $311 | $505 | 2.74% |
| JEFFREY RAYMOND DUBE3 | 9 FRANCES BARBER DR HOPE VALLEY, RI 02832 | COLONIAL LIFE & ACCIDENT INS CO | $236 | $58 | $294 | 1.60% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INS CO | $189 | $77 | $266 | 1.45% |
| RACHAEL DARLENE DUBE3 | 9 FRANCES BARBER DR HOPE VALLEY, RI 02832 | COLONIAL LIFE & ACCIDENT INS CO | $92 | $121 | $213 | 1.16% |
| KARIN ANGELIS3 | 2639 N RIVERSIDE DRIVE POMPANO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INS CO | $108 | $12 | $120 | 0.65% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR STE 410 WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INS CO | $98 | — | $98 | 0.53% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INS CO | $75 | — | $75 | 0.41% |
| KENDRA LYNN MORRIS3 | 11 PAINE STREET NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INS CO | $55 | — | $55 | 0.30% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON ST CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INS CO | $35 | — | $35 | 0.19% |
| PIO ANDRES ORTIZ3 | 5 BROOK RD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INS CO | $27 | — | $27 | 0.15% |
| CONSUMER DRIVEN BENEFITS LLC3 | 1772 SUNSET VIEW DRIVE TRABUCO CANYON, CA 92679 | COLONIAL LIFE & ACCIDENT INS CO | $9 | $18 | $27 | 0.15% |
| COAKLEY CONSULTING INC3 | PO BOX 1562 CHARLESTOWN, RI 02813 | COLONIAL LIFE & ACCIDENT INS CO | $18 | $4 | $22 | 0.12% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INS CO | $16 | — | $16 | 0.09% |
| TINA HERNANDEZ3 | 11779 W COCOPAH ST AVONDALE, AZ 85323 | COLONIAL LIFE & ACCIDENT INS CO | $9 | $2 | $11 | 0.06% |
| ASHLEY FOLLIS3 | 2 GRIFFITHS DR DURHAM, NH 03824 | COLONIAL LIFE & ACCIDENT INS CO | $4 | — | $4 | 0.02% |
| STEPHANIE DECHRISTOFARO3 | 1225 BLACK OAK DR MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INS CO | $1 | — | $1 | 0.01% |
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 | 185 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 141 | $32K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD | 185 | $83K |
| Long-term disability(2 contracts, 2 carriers) | THE HARTFORD | 185 | $83K |
| Other | COLONIAL LIFE & ACCIDENT INS CO | 30 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.