| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $8K | 6.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $425 | $4K | 11.01% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 11.15% |
| NEESENROLL3 | 650 EDDIE DOWLING HWY. NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.87% |
| LORI ANN MARTINEZ3 | 11 MONUMENT DR. OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $561 | — | $561 | 1.40% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD. SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $502 | — | $502 | 1.25% |
| CARLEIGH GORDON3 | 135 SKUNK HILL RD. EXETER, RI 02822 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 0.31% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LN. NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.18% |
| PIO ANDRES ORTIZ3 | 5 BROOK RD. ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.17% |
| GIANNI RICHIO3 | 18 RICKER CIR. SOUTH HAMILTON, MA 01982 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| CHRISTOPHER MANZI3 | 400 COLONIAL DR., UNIT 66 IPSWITCH, MA 01938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| DB INSURANCE INC3 Filed as: DB INSURANCE INC. | 23 FRANKLIN ST. SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| FLEURY ENTERPRISES INC3 | 8370 HERITAGE LINKS CT., APT. 202 NAPLES, FL 34112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: GARTH E BROWN | 7 SKYTOP RD. IPSWICH, MA 01938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | EYEMED VISION CARE | $2K | — | $2K | 8.99% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $269 | $1K | 15.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS INC. EIN 04-2734278 TPA | Claims processing; Other services Service code 12 | 1500 WEST PARK DR. WESTBOROUGH, MA 01581 | $198K |
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 | 411 | 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) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 281 | $129K |
| Vision | EYEMED VISION CARE | 225 | $20K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 411 | $48K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 411 | $40K |
| Stop-loss / reinsurancereinsurance | COVERYS | 142 | $972K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 411 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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."
No prospect flags tripped on this filing.