| 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 | $9K | — | $9K | 13.62% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INS CO | $2K | $44 | $2K | 6.99% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INS CO | $276 | $59 | $335 | 1.11% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR WAYNE, PA 01590 | COLONIAL LIFE & ACCIDENT INS CO | $219 | — | $219 | 0.73% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INS CO | $126 | — | $126 | 0.42% |
| KENDRA LYNN MORRIS3 | 3 RIDGE RD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INS CO | $104 | — | $104 | 0.35% |
| BRITEN E CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INS CO | $90 | — | $90 | 0.30% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INS CO | $58 | — | $58 | 0.19% |
| PIO ANDRES ORTIZ3 | 5 BROOK RD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INS CO | $51 | — | $51 | 0.17% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INS CO | $28 | — | $28 | 0.09% |
| STEPHANIE DECHRISTOFARO3 | 1105 ACHIEVER CIRCLE SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INS CO | $2 | — | $2 | 0.01% |
| MASS FNCL SVCS INS AGCY INC3 | ONE WASHINGTON MALL STE 800 BOSTON, MA 02108 | VISION SERVICE PLAN | $2K | — | $2K | 6.25% |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 146 | $25K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD | 215 | $95K |
| Long-term disability(2 contracts, 2 carriers) | THE HARTFORD | 215 | $95K |
| Other | COLONIAL LIFE & ACCIDENT INS CO | 36 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.