| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $95K | $12K | $107K | 6.75% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | VISION SERVICE PLAN | $6K | — | $6K | 1.56% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD W SUITE 120 MARLBOROUGH, MA 01752 | FEDERAL INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS, INC | 33 BOSTON POST ROAD WEST MARLBOROUGH, MA 01752 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 7.23% |
| CHRISTOPHER MANZI3 | 173 BRIMBLE AVE BEVERLY, MA 01915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $959 | $2K | 3.73% |
| GIANNI RICHIO3 | 18 RICKER CIRCLE SOUTH HAMILTON, MA 01982 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $204 | $2K | 2.95% |
| MAUREEN A CHASSON3 | 8 HERSAM STREET STONEHAM, MA 02180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.25% |
| DB INSURANCE INC3 | 26 HOURIHAN ST. UNIT 2 DANVERS, MA 01960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $780 | $403 | $1K | 2.20% |
| EDWARD JOHN MCNEIL3 | 9 ACORN CIRCLE MEDFIELD, MA 02052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $105 | $254 | 0.47% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $29 | $155 | 0.29% |
| CATHY A MESSING3 | 2 PICKWICK WAY WAYLAND, MA 01778 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $18 | $114 | 0.21% |
| PATRICIA A DUNCAN3 | 520 WHEATFIELD RD FRANKLIN, NC 28734 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $11 | $77 | 0.14% |
| BARBARA J LAKE3 | 226 N HIGH ST MORRISTOWN, IN 46161 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $5 | $44 | 0.08% |
| STEPHANIE RENEE TRISKA3 | 1516 W 35TH ST NORTH LITTLE ROCK, AR 72118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.07% |
| ROBERT H STONE SR3 | 2900 CAHABA RD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $14 | $27 | 0.05% |
| EOB CONSULTING LLC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $19 | $27 | 0.05% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $13 | $20 | 0.04% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD W SUITE 120 MARLBOROUGH, MA 01752 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET 12TH FL NEW YORK, NY 10038 | FEDERAL INSURANCE COMPANY | $782 | — | $782 | 20.01% |
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 | 2,155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,888 | $354K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,155 | $1.6M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25 | $10K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,155 | $1.6M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,155 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,155 | — |
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.