| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEB FIRST INSURANCE LLC3 Filed as: WEB FIRST INSURANCE, LLC | 271 GREENWOOD STREET WORCESTER, MA 01607 | FALLON HEALTH | $28K | — | $28K | 2.14% |
| WEBFIRST INSURANCE, LLC3 | 271 GREENWOOD STREET WORCESTER, MA 01607 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $5K | — | $5K | 3.61% |
| WEBFIRST INSURANCE, LLC3 | 271 GREENWOOD STREET WORCESTER, MA 01607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.41% |
| WEBFIRST INSURANCE, LLC3 Filed as: WEBFIRST INSURANCE LLC | 271 GREENWOOD STREET WORCESTER, MA 01067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 7.93% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $837 | $2K | 2.84% |
| KRISTY COLGATE3 | 43 MAGILL DRIVE GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $241 | $2K | 2.82% |
| ASHLEY FOLLIS3 | 2 GRIFFITH DRIVE DURHAM, NH 03824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $318 | $2K | 2.29% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $141 | $1K | 1.92% |
| KARIN ANGELIS3 | 80 UNION POINT ROAD WEBSTER, MA 01570 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $866 | — | $866 | 1.14% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | — | $171 | 0.22% |
| DAVID L FLEURY3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $8 | $163 | 0.21% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DRIVE WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.10% |
| WEBFIRST INSURANCE, LLC3 | 271 GREENWOOD STREET WORCESTER, MA 01607 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $406 | — | $406 | 2.15% |
| WEBFIRST INSURANCE, LLC3 | 271 GREENWOOD STREET WORCESTER, MA 01607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.86% |
| ALLIED SOLUTIONS LLC3 | 350 VETERANS WAY #200 CARMEL, IN 46032 | FEDERAL INSURANCE COMPANY | $180 | — | $180 | 15.00% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FALLON HEALTH | 211 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 144 | $142K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 0 | $250 |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $218K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $130K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $130K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.