| 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 | $158 | $9K | 16.55% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | THE HARTFORD | — | $5K | $5K | 8.33% |
| MASS FNCL SVCS INS AGCY INC3 | ONE WASHINGTON MALL STE 800 BOSTON, MA 02108 | VISION SERVICE PLAN | $9K | — | $9K | 37.61% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INS CO | $1K | — | $1K | 5.88% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INS CO | $195 | $16 | $211 | 0.92% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR WAYNE, PA 01590 | COLONIAL LIFE & ACCIDENT INS CO | $142 | $5 | $147 | 0.64% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INS CO | $96 | — | $96 | 0.42% |
| KENDRA LYNN MORRIS3 | PO BOX 320 SLATERSVILLE, RI 02876 | COLONIAL LIFE & ACCIDENT INS CO | $81 | — | $81 | 0.35% |
| BRITEN E CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INS CO | $55 | — | $55 | 0.24% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INS CO | $41 | — | $41 | 0.18% |
| PIO ANDRES ORTIZ3 | 5 BROOK RD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INS CO | $40 | — | $40 | 0.17% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INS CO | $22 | — | $22 | 0.10% |
| STEPHANIE DECHRISTOFARO3 | 1105 ACHIEVER CIRCLE SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INS CO | $1 | — | $1 | 0.00% |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 143 | $25K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD | 212 | $80K |
| Long-term disability(2 contracts, 2 carriers) | THE HARTFORD | 212 | $80K |
| Other | COLONIAL LIFE & ACCIDENT INS CO | 29 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.