| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUKE INSURANCE BROKERAGE INC3 Filed as: DUKE INSURANCE BROKERAGE INC. | 200 CENTER ST. STE. 15 LUDLOW, MA 01056 | HEALTH NEW ENGLAND, INC. | $76K | — | $76K | 1.41% |
| DUKE INSURANCE BROKERAGE INC3 Filed as: DUKE INSURANCE BROKERAGE INC. | 200 CENTER ST. STE. 15 LUDLOW, MA 01056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $1K | $15K | 4.21% |
| THEODORE W. ZIENCINA3 Filed as: THEODORE W ZIENCINA | 75 LENOX CIRCLE EAST LONGMEADOW, MA 01028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $147 | $4K | 4.30% |
| DUKE INSURANCE BROKERAGE INC3 Filed as: DUKE INSURANCE BROKERAGE INC. | 200 CENTER ST. STE. 15 LUDLOW, MA 01056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.27% |
| ARNE C EKSTROM3 | 150 CANTERBURY WAY WEST SPRINGFIELD, MA 01089 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $165 | $4K | 3.52% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $437 | $2K | 1.92% |
| DAVID L FLEURY3 | 545 SOUTH WATER ST. PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $632 | $358 | $990 | 0.97% |
| KERRY PARSONS3 | 20 PEARSON RD HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $602 | $262 | $864 | 0.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE ST WILMINGTON, MA 01887 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $328 | $43 | $371 | 0.37% |
| FREDERICK D LEIGH3 | 29 RAMBLIN BROOK RD SEEKONK, MA 02771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | — | $265 | 0.26% |
| MATTHEW MCARDLE3 | 19 GARY DR HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $1 | $43 | 0.04% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS RD BLDG C SOUTH PORTLAND, ME 04106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.03% |
| RAYMOND B FLEURY3 | 245 SOUTHHAMPTON RD HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.03% |
| ROBERT D STEBBINS3 | 25 STANDISH AVE SCITUATE, MA 02066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| JUDITH A. MCGEARY3 Filed as: JUDITH A MCGEARY | 35 LORRAINE ST CHICOPPEE, MA 01013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| HABERMAN INSURANCE GROUP INC3 | 95 ASHLEY AVE W SPRINGFIELD, MA 01089 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| DUKE INSURANCE BROKERAGE INC3 Filed as: DUKE INSURANCE BROKERAGE INC. | 200 CENTER ST. STE 15 LUDLOW, MA 01056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $6K | 7.57% |
| DUKE INSURANCE BROKERAGE INC3 Filed as: DUKE INSURANCE BROKERAGE INC. | 200 CENTER ST. STE 15 LUDLOW, MA 01056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 7.08% |
| DUKE INSURANCE BROKERAGE INC3 Filed as: DUKE INSURANCE BROKERAGE INC. | 200 CENTER ST. STE 15 LUDLOW, MA 010562773 | METROPOLITAN LIFE INSURANCE COMPANY | $776 | — | $776 | 1.99% |
| DUKE INSURANCE BROKERAGE INC3 Filed as: DUKE INSURANCE BROKERAGE INC. | 200 CENTER ST. STE. 15 LUDLOW, MA 01056 | VISION SERVICE PLAN | $911 | — | $911 | 3.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | PO BOX 709 EAST LONGMEADOW, MA 01028 | VISION SERVICE PLAN | $501 | — | $501 | 1.66% |
| DUKE INSURANCE BROKERAGE INC3 Filed as: DUKE INSURANCE BROKERAGE INC. | 200 CENTER ST. STE. 15 LUDLOW, MA 01056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $663 | $134 | $797 | 11.88% |
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 | 1,132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 650 | $5.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 711 | $346K |
| Vision | VISION SERVICE PLAN | 351 | $30K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,138 | $153K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 131 | $140K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 988 | $186K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,138 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,138 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.