| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 410 UNIVERSITY AVENUE WESTWOOD, MA 02090 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $0 | $15K | 9.20% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $6K | $11K | 7.07% |
| LORI ANN MARTINEZ3 | 11 MONUMENT DRIVE OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $5K | $8K | 5.22% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 4.57% |
| KARIN ANGELIS3 Filed as: KARIN ANGELIS AND OTHER AGENTS | 2639 NORTH RIVERSIDE DRIVE APT 1104 POMPANO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $193 | $6K | 3.80% |
| BENEFITS ENRICHED INC3 Filed as: BENEFITS ENRICHED, INC. | 50 LAGOSHEM DRIVE MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 2.60% |
| JEFFREY SPICOLA3 | 65 AVONWOOD ROAD, APT B6 AVON, CT 06001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $257 | $2K | 1.21% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | ALTUS DENTAL INSURANCE COMPANY, INC. | $10K | $0 | $10K | 6.53% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | UNKNOWN TAMPA, FL 33607 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 12.60% |
| INDIGO INSURANCE SERVICES3 | UNKNOWN BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 6.73% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | UNKNOWN TAMPA, FL 33607 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 15.04% |
| INDIGO INSURANCE SERVICES3 | UNKNOWN BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 5.42% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INS. AGENCY, INC. | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 10.34% |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 337 | $154K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 517 | $20K |
| Life insurance(2 contracts) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 437 | $110K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 96 | $160K |
| Long-term disability(2 contracts) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 437 | $110K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 437 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.