| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEBFIRST INSURANCE, LLC3 | 271 GREENWOOD STREET WORCESTER, MA 01607 | FALLON HEALTH | $28K | — | $28K | 2.08% |
| WEBFIRST INSURANCE, LLC3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $5K | — | $5K | 3.62% |
| WEBFIRST INSURANCE, LLC3 | 271 GREENWOOD STREET WORCESTER, MA 01607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.96% |
| WEBFIRST INSURANCE, LLC3 | 271 GREENWOOD STREET WORCESTER, MA 01607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 8.01% |
| WEBFIRST INSURANCE, LLC3 Filed as: WEBFIRST INSURANCE LLC | 271 GREENWOOD STREET WORCESTER, MA 01067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 5.05% |
| KRISTY COLGATE3 | 43 MAGILL DRIVE GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $802 | $35 | $837 | 1.19% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $597 | $98 | $695 | 0.99% |
| KARIN ANGELIS3 | 80 UNION POINT ROAD WEBSTER, MA 01570 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $692 | — | $692 | 0.98% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $665 | $21 | $686 | 0.97% |
| ASHLEY FOLLIS3 | 2 GRIFFITH DRIVE DURHAM, NH 03824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $353 | $44 | $397 | 0.56% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | — | $214 | 0.30% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DRIVE WAYNE, PA 19807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.08% |
| WEBFIRST INSURANCE, LLC3 | 271 GREENWOOD STREET WORCESTER, MA 01607 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $399 | — | $399 | 2.11% |
| WEBFIRST INSURANCE, LLC3 | 271 GREENWOOD STREET WORCESTER, MA 01607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.27% |
| ALLIED SOLUTIONS LLC3 | 350 VETERANS WAY #200 CARMEL, IN 46032 | FEDERAL INSURANCE COMPANY | $608 | $42 | $650 | 16.05% |
| WEBFIRST INSURANCE, LLC3 | 271 GREENWOOD STREET WORCESTER, MA 01607 | STARMOUNT LIFE INSURANCE COMPANY | $485 | — | $485 | 12.79% |
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. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FALLON HEALTH | 216 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 147 | $142K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 40 | $4K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $325K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $244K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $244K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.