| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN S DEMPSEY3 | 60 BAILEY BLVD HAVERHILL, MA 01830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49K | — | $49K | 7.90% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24K | $8K | $32K | 5.22% |
| RYAN PATRICK DEMPSEY3 | 25 MARINA DRIVE HAVERHILL, MA 01830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $1K | $10K | 1.59% |
| ASHLEY MCQUADE3 | 265 BLACKSTONE STREET UXBRIDGE, MA 01569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $737 | $7K | 1.14% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $526 | $4K | 0.63% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.28% |
| EDWARD ALLEN ROBERTS3 | 2 GERVAISE DRIVE DERRY, NH 03038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $827 | — | $827 | 0.13% |
| STEPHANIE DECHRISTOFARO3 | 1225 BLACK OAK DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $626 | — | $626 | 0.10% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: INSURANCE NETWORK OF NEW ENGLAND | PO BOX 178 NEWPORT, RI 02840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $431 | — | $431 | 0.07% |
| ANDREA R. HENCHEY3 Filed as: ANDREA R HENCHEY | 5 EDGEMERE BLVD SHREWSBURY, MA 01545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | — | $204 | 0.03% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | $42 | $203 | 0.03% |
| MICHAEL S OBERLANDER3 | P.O. BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | — | $191 | 0.03% |
| LORI ANN MARTINEZ3 | 7 SYDNEY CIRCLE CHARLTON, MA 01507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 0.03% |
| KENDRA LYNN MORRIS3 | 3 RIDGE RD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 0.03% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $24 | $173 | 0.03% |
| THOMAS E KIENZLER3 | 359 WASHINGTON RD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 0.03% |
| KARIN ANGELIS3 | 80 UNION POINT ROAD WEBSTER, MA 01570 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.02% |
| KRISTY COLGATE3 | 43 MAGILL DR GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $8 | $74 | 0.01% |
| KIMBERLY ANNE CUNNINGHAM3 | 266 FERRY LANDING CIRCLE PORTSMOUTH, RI 02871 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $17 | $69 | 0.01% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.01% |
| FREDERICK D LEIGH3 | 29 RAMBLIN BROOK RD SEEKONK, MA 02771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.01% |
| CARLEIGH GORDON3 | 135 SKUNK HILL ROAD EXETER, RI 02822 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.01% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS BURLINGTON, MA 01803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.01% |
| JOHN F CLUNAN3 | 201 JONES RD STE 5 WALTHAM, MA 02451 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.00% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.00% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.00% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.00% |
| ROBERT READ3 | 267 PLAIN STREET REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| CHRISTINE GORDON3 | 73 WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INSURANCE PROVIDERS I | 5 CROSS STREET STOW, MA 01775 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GARTH E BROWN | 7 SKYTOP ROAD IPSWICH, MA 01938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| DB INSURANCE INC3 | 23 FRANKLIN STREET SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| COAKLEY CONSULTING INC3 | P.O. BOX 1562 CHARLESTOWN, RI 02813 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SAUL R LOCKER3 | 1099 EIGHTEENTH ST STE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $15K | $8K | $23K | 11.50% |
| MHA INSURANCE AGENCY3 Filed as: MHA INSURANCE AGENCY INC | 500 DISTRICT AVE BURLINGTON, MA 01803 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 7.50% |
| SAUL R LOCKER3 | 1099 EIGHTEENTH ST STE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.37% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 333 ELM STREET, STE 300 DEDHAM, MA 02026 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 2.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $601 | $13K | 23.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 300 BALLARDVALE STREET WILMINGTON, MA 018871012 | METROPOLITAN LIFE INSURANCE COMPANY | $135 | — | $135 | 0.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.03% |
| BRIAN S DEMPSEY3 | 60 BAILEY BLVD HAVERHILL, MA 01830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.18% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $948 | $194 | $1K | 3.72% |
| RYAN PATRICK DEMPSEY3 | 25 MARINA DRIVE HAVERHILL, MA 01830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | $29 | $294 | 0.96% |
| ASHLEY MCQUADE3 | 265 BLACKSTONE STREET UXBRIDGE, MA 01569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | $29 | $257 | 0.84% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.37% |
| KARIN ANGELIS3 | 80 UNION POINT RD WEBSTER, MA 01570 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.30% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.26% |
| STEPHANIE DECHRISTOFARO3 | 1225 BLACK OAK DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.24% |
| CARLEIGH GORDON3 | 135 SKUNK HILL ROAD EXETER, RI 02822 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.10% |
| MICHAEL S OBERLANDER3 | P.O. BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| BRIAN S DEMPSEY3 | 60 BAILEY BLVD HAVERHILL, MA 01830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 12.73% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $657 | $304 | $961 | 7.26% |
| ROBERT READ3 | 267 PLAIN STREET REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $452 | — | $452 | 3.41% |
| RYAN PATRICK DEMPSEY3 | 25 MARINA DRIVE HAVERHILL, MA 01830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | $41 | $282 | 2.13% |
| COAKLEY CONSULTING INC3 | PO BOX 1562 CHARLESTOWN, RI 02813 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $2 | $32 | 0.24% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.09% |
| STEPHANIE DECHRISTOFARO3 | 1225 BLACK OAK DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.08% |
| BRIAN S DEMPSEY3 | 60 BAILEY BLVD HAVERHILL, MA 01830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $290 | — | $290 | 5.21% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $253 | $10 | $263 | 4.72% |
| STEPHANIE DECHRISTOFARO3 | 1105 ACHIEVER CIRCLE SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.32% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.25% |
| MICHAEL S OBERLANDER3 | P.O. BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.07% |
| RYAN PATRICK DEMPSEY3 | 25 MARINA DRIVE HAVERHILL, MA 01803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.07% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| BRIAN S DEMPSEY3 | 60 BAILEY BLVD HAVERHILL, MA 01830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 5.57% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 2.36% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 1.28% |
| RYAN PATRICK DEMPSEY3 | 25 MARINA DRIVE HAVERHILL, MA 01830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.64% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.43% |
| THOMAS E KIENZLER3 | 359 WASHINGTON RD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.21% |
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 | 893 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 151 | $54K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,580 | $123K |
| Life insurance(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,161 | $865K |
| Short-term disability(4 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 424 | $655K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,161 | $203K |
| Other(11 contracts, 5 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,100 | $976K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,100 | — |
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.