| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN CHICOPEE, MA 01013 | HEALTH NEW ENGLAND, INC. | $42K | $0 | $42K | 3.88% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN CHICOPEE, MA 01013 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $5K | $16K | 11.04% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LIMITED | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 10.07% |
| COLGATE BENEFITS INC3 | 43 MAGILL DRIVE GRAFTON, MA 01519 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 10.02% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE MERIDEN, CT 06450 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $100 | $4K | 8.50% |
| JEFFREY RAYMOND DUBE3 | 9 FRANCES BARBER DRIVE HOPE VALLEY, RI 02832 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $759 | $2K | 5.65% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.80% |
| PATRICK WILLIAM DOWLING3 | 12 LINDA STREET SOUTH HADLEY, MA 01075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $708 | $2 | $710 | 1.64% |
| COAKLEY CONSULTING INC3 Filed as: COAKLEY CONSULTING AND OTHER AGENTS | PO BOX 1562 CHARLESTOWN, RI 02813 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $647 | $61 | $708 | 1.63% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 107 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $147K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $147K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $147K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 53 | $43K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $147K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 107 | $1.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.