| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHANDOR INSURANCE AGENCY LLC7 Filed as: CHANDOR INSURANCE AGENCY | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $38K | $45K | 5.95% |
| CHANDOR INSURANCE AGENCY LLC7 Filed as: CHANDOR INSURANCE AGENCY | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $40K | $47K | 6.58% |
| CHANDOR INSURANCE AGENCY LLC7 Filed as: CHANDOR INSURANCE AGENCY | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $48K | $58K | 9.88% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | VISION SERVICE PLAN | $7K | — | $7K | 1.73% |
| CHANDOR INSURANCE AGENCY LLC7 Filed as: CHANDOR INSURANCE AGENCY | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $6K | $10K | 9.08% |
| JASON R SMITH3 Filed as: JASON R. SMITH | 333 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $2K | $17K | 18.20% |
| JAMES R SMITH INSURANCE LTD3 Filed as: JAMES R. SMITH INSURANCE LTD | 333 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 3.79% |
| LAURIE SEUBERT3 | 333 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $471 | $2K | 2.43% |
| JACQUELYN RENEE DINARDI3 | 315 COWESETT ROAD WARWICK, RI 02886 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $328 | — | $328 | 0.36% |
| THERESA CATHERINE MACMILLAN3 | 650 EAST GREENWICH AVE WEST WARWICK, RI 02893 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $3 | $198 | 0.22% |
| REBECCA RHOADS DBA SPANISH WORKS3 | 855 HOPE STREET PROVIDENCE, RI 02906 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $161 | $193 | 0.21% |
| FLEURY ENTERPRISES INC3 Filed as: FLEURY ENTERPRISES INC. | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 0.18% |
| ALEXANDER JEFFREY SEUBERT3 | 480 ATLANTIC AVE WARWICK, RI 02888 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $120 | $12 | $132 | 0.15% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.04% |
| DAVID ADAM BOAZ3 | 5804 POST ROAD UNIT 2 EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| BEIYANIL E PENA3 Filed as: BEIYANIL PENA | 115 POCASSET AVE PROVIDENCE, RI 02909 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| J KING INSURANCE INC3 Filed as: J. KING INSURANCE INC. | 333 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $5 | $9 | 0.01% |
| MCSWEENEY AND RICCI INSURANCE AGENC3 | 420 WASHINGTON STREET BRAINTREE, MA 02184 | FEDERAL INSURANCE COMPANY | $686 | — | $686 | 15.01% |
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 | 3,973 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,014 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,925 | $379K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,973 | $756K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,973 | $805K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,973 | $585K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,973 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,973 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.