| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INS CO | $3K | $1K | $4K | 18.44% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INS CO | $432 | $129 | $561 | 2.53% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INS CO | $273 | $204 | $477 | 2.15% |
| PIO ANDRES ORTIZ3 | 5 BROOK RD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INS CO | $418 | $56 | $474 | 2.14% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR WAYNE, PA 01590 | COLONIAL LIFE & ACCIDENT INS CO | $224 | $111 | $335 | 1.51% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INS CO | $274 | $12 | $286 | 1.29% |
| BRITEN E CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INS CO | $111 | $19 | $130 | 0.59% |
| KENDRA LYNN MORRIS3 | 3 RIDGE RD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INS CO | $129 | — | $129 | 0.58% |
| ROBERT D STEBBINS3 | 25 STANDISH AVE SCITUATE, MA 02066 | COLONIAL LIFE & ACCIDENT INS CO | $54 | $10 | $64 | 0.29% |
| PATRICIA DASILVA3 | 22A TAMARAC DR. SMITHFIELD, RI 02828 | COLONIAL LIFE & ACCIDENT INS CO | $59 | — | $59 | 0.27% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INS CO | $20 | $21 | $41 | 0.19% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INS CO | $36 | $1 | $37 | 0.17% |
| DAVID L FLEURY3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INS CO | $5 | — | $5 | 0.02% |
| MELISSA URBAN KINDNESS3 | 32 CAMARA DR PORTSMOUTH, RI 02871 | COLONIAL LIFE & ACCIDENT INS CO | $3 | — | $3 | 0.01% |
| STEPHANIE DECHRISTOFARO3 | 1105 ACHIEVER CIRCLE SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INS CO | $2 | — | $2 | 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 | 41 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 41 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INS CO | 41 | $22K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INS CO | 41 | $22K |
| Other | COLONIAL LIFE & ACCIDENT INS CO | 41 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.