| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | THE PRUDENTIAL INSURANCE CO. OF AMERICA | $15K | — | $15K | 15.00% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | TUFTS TOTAL HEALTH PLAN, INC. | $3K | $240 | $3K | 3.16% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | TUFTS BENEFIT ADMINISTRATORS, INC. | $2K | $248 | $3K | 3.27% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | THE PRUDENTIAL INSURANCE CO. OF AMERICA | $12K | $8K | $19K | 24.93% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | — | $4K | 9.22% |
| ENROLLMENT SOLUTIONS LTD Filed as: ENROLLMENT SOLUTIONS LTD. | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $6K | 21.36% |
| KIMBERLY ANNE CUNNINGHAM | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 13.97% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $341 | $4K | 13.93% |
| RICHARD WILLIAM HARRINGTON | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $491 | $3K | 11.79% |
| DAMARA HAWLEY | 50 BARBERS HEIGHTS AVENUE SAUNDERSTOWN, RI 02874 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $8 | $1K | 4.55% |
| RYAN PATRICK DEMPSEY | 25 MARINA DRIVE HAVERHILL, MA 01830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $390 | $73 | $463 | 1.79% |
| STEPHEN CORRIVEAU | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | $109 | $304 | 1.18% |
| DONNA LEE JORDAN | 18 FORGE ROAD KINGSTON, MA 02364 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | — | $298 | 1.15% |
| KRISTY COLGATE | 43 MAGILL DRIVE GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $2 | $24 | 0.09% |
| WEST RIDGE INSURANCE AGENCY, INC. Filed as: WEST RIDGE INSURANCE AGENCY INC. | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| CHRISTINA MARIE KONCZESKI | 648 SOUTH STREET APT. 2 BOSTON, MA 02131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| MELISSA J LINDSEY Filed as: MELISSA J. LINDSEY | 152 HARRIS ROAD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| FLEURY ENTERPRISES INC Filed as: FLEURY ENTERPRISES INC. | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | THE PRUDENTIAL INSURANCE CO. OF AMERICA | $1K | — | $1K | 15.00% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $16K | — | $16K | — |
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 | 595 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS TOTAL HEALTH PLAN, INC. | 617 | $178K |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 954 | $0 |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 639 | $39K |
| Life insurance | THE PRUDENTIAL INSURANCE CO. OF AMERICA | 589 | $77K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 83 | $26K |
| Long-term disability | THE PRUDENTIAL INSURANCE CO. OF AMERICA | 580 | $102K |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE CO. OF AMERICA | 595 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 954 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.