| 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 | $2K | $8K | 7.01% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.25% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.78% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.09% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 10.12% |
| NEESENROLL3 | 650 EDDIE DOWLING HWY. NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.50% |
| LORI ANN MARTINEZ3 | 11 MONUMENT DR. OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $606 | — | $606 | 1.26% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD. SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $542 | — | $542 | 1.13% |
| CARLEIGH GORDON3 | 135 SKUNK HILL RD. EXETER, RI 02822 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.26% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LN. NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.17% |
| PIO ANDRES ORTIZ3 | 5 BROOK RD. ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.15% |
| FLEURY ENTERPRISES INC3 | 8370 HERITAGE LINKS CT., APT. 202 NAPLES, FL 34112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.13% |
| GIANNI RICHIO3 | 18 RICKER CIR. SOUTH HAMILTON, MA 01982 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.04% |
| CHRISTOPHER MANZI3 | 400 COLONIAL DR., UNIT 66 IPSWITCH, MA 01938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| DB INSURANCE INC3 Filed as: DB INSURANCE INC. | 23 FRANKLIN ST. SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GARTH E BROWN | 7 SKYTOP RD. IPSWICH, MA 01938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| KATHERINE E GREENE3 | 153 WELLINGTON AVE., FL. 1 CRANSTON, RI 02910 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | EYEMED VISION CARE | $1K | — | $1K | 10.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS INC. EIN 04-2734278 TPA | Other services; Claims processing Service code 12 | 1500 WEST PARK DR. WESTBOROUGH, MA 01581 | $181K |
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 | 342 | 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) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $117K |
| Vision | EYEMED VISION CARE | 212 | $12K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 342 | $114K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 75 | $48K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 342 | $114K |
| Stop-loss / reinsurancereinsurance | COVERYS | 135 | $879K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 342 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.