| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | SYMETRA LIFE INSURANCE COMPANY | $13K | $7K | $20K | 14.21% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $1K | — | $1K | 4.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 LIBERTY SQ BOSTON, MA 02109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $581 | — | $581 | 2.21% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $527 | — | $527 | 2.00% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $343 | — | $343 | 1.30% |
| JOSEPH F. CIULLA3 Filed as: JOSEPH CIULLA | 10 PLAYSTEAD AVE WOBURN, MA 01801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $249 | — | $249 | 0.95% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $237 | — | $237 | 0.90% |
| FLEURY ENTERPRISES INC3 Filed as: FLEURY ENTERPRISES | DAVID L FLEURY 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 0.45% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 0.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 LIBERTY SQ BOSTON, MA 02109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 1.84% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 1.23% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 1.02% |
| JOSEPH F. CIULLA3 Filed as: JOSEPH CIULLA | 10 PLAYSTEAD AVE WOBURN, MA 01801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.79% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.74% |
| FLEURY ENTERPRISES INC3 Filed as: FLEURY ENTERPRISES | DAVID L FLEURY 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.38% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.36% |
| JASON HARTMAN3 Filed as: JASON C SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.36% |
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 | 374 | 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) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 34 | $32K |
| Vision | VISION SERVICE PLAN | 184 | $30K |
| Life insurance(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 374 | $175K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 374 | $143K |
| Long-term disability(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 374 | $175K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 374 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.