| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEBFIRST INSURANCE, LLC3 Filed as: WEBFIRST INSURANCE LLC | — | HARVARD PILGRIM HEALTH CARE | $19K | — | $19K | 1.92% |
| WEBFIRST INSURANCE, LLC3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $5K | — | $5K | 3.70% |
| WEBFIRST INSURANCE, LLC3 Filed as: WEBFIRST INSURANCE LLC | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 1.84% |
| WEBFIRST INSURANCE, LLC3 Filed as: WEBFIRST INSURANCE LLC | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 2.03% |
| WEBFIRST INSURANCE, LLC2 Filed as: WEBFIRST INSURANCE LLC | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 1.86% |
| WEBFIRST INSURANCE, LLC3 | 271 GREENWOOD STREET WORCESTER, MA 01607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.51% |
| WEBFIRST INSURANCE, LLC3 Filed as: WEBFIRST INSURANCE LLC | 271 GREENWOOD STREET WORCESTER, MA 01067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.42% |
| KARIN ANGELIS3 | 2639 NORTH RIVERSIDE DRIVE POMPANO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $585 | — | $585 | 1.12% |
| COLGATE BENEFITS INC3 | 43 MAGILL DRIVE GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $558 | — | $558 | 1.07% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $494 | $1 | $495 | 0.95% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $424 | $2 | $426 | 0.82% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | — | $182 | 0.35% |
| ASHLEY FOLLIS3 | 2 GRIFFITH DRIVE DURHAM, NH 03824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | — | $144 | 0.28% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DRIVE WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.10% |
| WEBFIRST INSURANCE, LLC3 | 271 GREENWOOD STREET WORCESTER, MA 01607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| WEBFIRST INSURANCE, LLC3 | 271 GREENWOOD STREET WORCESTER, MA 01607 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 12.00% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | HARVARD PILGRIM HEALTH CARE | 154 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 138 | $136K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 75 | $10K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $134K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $70K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $70K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.