| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MASS FNCL SVCS INS AGCY INC3 Filed as: MASS FNCL SVCS INS AGENCY | C/O MASS BANKER ASSOC ONE WASHINGTON MALL FL 8 BOSTON, MA 02108 | THE HARTFORD | $6K | $531 | $6K | 11.71% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INS CO | $1K | $159 | $1K | 6.78% |
| KENDRA LYNN MORRIS3 | 1788 VICTORY HWY COVENTRY, RI 02816 | COLONIAL LIFE & ACCIDENT INS CO | $254 | $9 | $263 | 1.36% |
| MELISSA J LINDSEY3 Filed as: MELISSA J. LINDSEY | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INS CO | $201 | $8 | $209 | 1.08% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INS CO | $140 | — | $140 | 0.73% |
| ENROLLMENT SOLUTIONS LTD3 | 14 WUNSCHEL DR SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INS CO | $105 | $19 | $124 | 0.64% |
| ISAMARAY LAZARA REIGOSA3 | 103 INDIANA AVE PROVIDENCE, RI 02909 | COLONIAL LIFE & ACCIDENT INS CO | $64 | — | $64 | 0.33% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | C/O COLONIAL SUPPLEMENTAL INS PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INS CO | $52 | $11 | $63 | 0.33% |
| MASSACHUSETTS BANKERS ASSOCIATION3 | 1 WASHINGTON MALL, SUITE 800 BOSTON, MA 021082618 | MASSACHUSETTS VISION SERVICE PLAN | — | $3K | $3K | 14.00% |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | MASSACHUSETTS VISION SERVICE PLAN | 104 | $18K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD | 169 | $71K |
| Long-term disability(2 contracts, 2 carriers) | THE HARTFORD | 169 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.