| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER DRIVE NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE | $33K | $0 | $33K | 1.58% |
| ANTHONY F. CORDEIRO INS. AGENCY3 Filed as: ANTHONY F CORDEIRO INS AGENCY | 171 PLEASANT STREET FALL RIVER, MA 02721 | HARVARD PILGRIM HEALTH CARE | $11K | $0 | $11K | 0.53% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | ALTUS DENTAL INSURANCE COMPANY, INC. | $7K | $0 | $7K | 4.10% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER DRIVE NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $9K | 9.47% |
| READ INSURANCE & FINANCIAL SERVICES3 | PO BOX 789 ASSONET, MA 02702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 5.70% |
| J KING INSURANCE INC3 | 333 MAIN ST EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $986 | $3K | 4.06% |
| THERESA CATHERINE MACMILLAN3 | 650 EAST GREENWICH AVENUE WEST WARWICK, RI 02893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $139 | $2K | 2.90% |
| LAURIE SEUBERT3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $971 | $185 | $1K | 1.57% |
| JAMES R SMITH INSURANCE LTD3 | 333 MAIN ST EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $385 | $175 | $560 | 0.76% |
| BEIYANIL E PENA3 | 115 POCASSET AVENUE PROVIDENCE, RI 02909 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $276 | $3 | $279 | 0.38% |
| JASON R SMITH3 | 333 MAIN ST EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $0 | $232 | 0.31% |
| DAVID L FLEURY3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | $0 | $119 | 0.16% |
| STEPHANIE DANGELO3 | 45 HOPKINS AVE EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $0 | $116 | 0.16% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $0 | $109 | 0.15% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.05% |
| KIMBERLY ST ONGE3 | 104 CLEARVIEW DRIVE NORTH KINGSTON, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.02% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 19.97% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | VISION SERVICE PLAN | $672 | $0 | $672 | 7.96% |
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 | 522 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 331 | $2.1M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 424 | $167K |
| Vision | VISION SERVICE PLAN | 79 | $8K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 543 | $122K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 41 | $25K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 543 | $98K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 543 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.