| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MASS FNCL SVCS INS AGCY INC3 | ONE WASHINGTON MALL 8TH FLR BOSTON, MA 02108 | THE HARTFORD | $10K | $165 | $10K | 18.29% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INS CO | $5K | $723 | $6K | 18.65% |
| PIO ANDRES ORTIZ3 | 5 BROOK RD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INS CO | $1K | $63 | $1K | 4.59% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INS CO | $551 | $318 | $869 | 2.73% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR WAYNE, PA 01590 | COLONIAL LIFE & ACCIDENT INS CO | $738 | $36 | $774 | 2.43% |
| BRITEN E CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INS CO | $374 | $16 | $390 | 1.22% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INS CO | $175 | $28 | $203 | 0.64% |
| ROBERT D STEBBINS3 | 25 STANDISH AVE SCITUATE, MA 02066 | COLONIAL LIFE & ACCIDENT INS CO | $189 | $3 | $192 | 0.60% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INS CO | $183 | $0 | $183 | 0.57% |
| KENDRA LYNN MORRIS3 | 3 RIDGE RD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INS CO | $127 | $0 | $127 | 0.40% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INS CO | $67 | $57 | $124 | 0.39% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INS CO | $42 | $2 | $44 | 0.14% |
| PATRICIA DASILVA3 | 22A TAMARAC DR. SMITHFIELD, RI 02828 | COLONIAL LIFE & ACCIDENT INS CO | $43 | $0 | $43 | 0.14% |
| STEPHANIE DECHRISTOFARO3 | 1105 ACHIEVER CIRCLE SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INS CO | $2 | $0 | $2 | 0.01% |
| MASS FNCL SVCS INS AGCY INC3 | ONE WASHINGTON MALL STE 800 BOSTON, MA 02108 | VISION SERVICE PLAN | $2K | $0 | $2K | 5.55% |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 138 | $30K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD | 207 | $89K |
| Long-term disability(2 contracts, 2 carriers) | THE HARTFORD | 207 | $89K |
| Other | COLONIAL LIFE & ACCIDENT INS CO | 38 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.