| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | THE PRUDENTIAL INSURANCE CO. OF AMERICA | $29K | $0 | $29K | 16.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 11.30% |
| KIMBERLY ANNE CUNNINGHAM3 | 266 FERRY LANDING CIRCLE PORTSMOUTH, RI 02871 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 4.71% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $794 | $3K | 3.67% |
| PIO ANDRES ORTIZ3 Filed as: PIO ANDRES ORITIZ | 5 BROOK RD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $338 | $114 | $452 | 0.65% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET APARTMENT 2 CUMBERLAND, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $361 | $46 | $407 | 0.59% |
| RYAN PATRICK DEMPSEY3 | 25 MARINA DRIVE HAVERHILL, MA 01830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $361 | $46 | $407 | 0.59% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $9 | $73 | 0.11% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $27 | $51 | 0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 8.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $954 | $0 | $954 | 2.55% |
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 | 507 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 668 | $37K |
| Life insurance | THE PRUDENTIAL INSURANCE CO. OF AMERICA | 507 | $178K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 54 | $69K |
| Long-term disability | THE PRUDENTIAL INSURANCE CO. OF AMERICA | 507 | $178K |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE CO. OF AMERICA | 507 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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.