| 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 | $4K | $576 | $5K | 10.87% |
| MASSACHUSETTS BANKERS ASSOCIATION3 | 1 WASHINGTON MALL, SUITE 800 BOSTON, MA 021082618 | MASSACHUSETTS VISION SERVICE PLAN | — | $3K | $3K | 14.00% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INS CO | $1K | $281 | $2K | 9.03% |
| PATRICIA DASILVA3 | 22A TAMARAC DR. SMITHFIELD, RI 02828 | COLONIAL LIFE & ACCIDENT INS CO | $235 | $31 | $266 | 1.54% |
| MELISSA J LINDSEY3 Filed as: MELISSA J. LINDSEY | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INS CO | $232 | $31 | $263 | 1.53% |
| KENDRA LYNN MORRIS3 | 1788 VICTORY HWY COVENTRY, RI 02816 | COLONIAL LIFE & ACCIDENT INS CO | $177 | $2 | $179 | 1.04% |
| ENROLLMENT SOLUTIONS LTD3 | 14 WUNSCHEL DR SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INS CO | $115 | $37 | $152 | 0.88% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INS CO | $114 | — | $114 | 0.66% |
| MELISSA URBAN KINDNESS3 | 32 CAMARA DR PORTSMOUTH, RI 02840 | COLONIAL LIFE & ACCIDENT INS CO | $72 | $14 | $86 | 0.50% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 545 SOUTH WATER ST. PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INS CO | $58 | $27 | $85 | 0.49% |
| STEPHANIE DECHRISTOFARO3 | 1105 ACHIEVER CIRCLE SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INS CO | $22 | $1 | $23 | 0.13% |
| ISAMARAY LAZARA REIGOSA3 | 103 INDIANA AVE PROVIDENCE, RI 02909 | COLONIAL LIFE & ACCIDENT INS CO | $5 | — | $5 | 0.03% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: INSURANCE NETWORK OF NEW ENGLAND | PO BOX 178 NEWPORT, RI 02840 | COLONIAL LIFE & ACCIDENT INS CO | $3 | $0 | $3 | 0.02% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | MASSACHUSETTS VISION SERVICE PLAN | 109 | $19K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD | 178 | $61K |
| Long-term disability(2 contracts, 2 carriers) | THE HARTFORD | 178 | $61K |
| Other | COLONIAL LIFE & ACCIDENT INS CO | 36 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.