| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD T LAWRENSON3 | LAWRENSON AND ASSOCIATES 1929 PLAIN STREET STE 150 MARSHFIELD, MA 02050 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.38% |
| RICHARD T LAWRENSON3 Filed as: RICHARD LAWRENSON | LAWRENSON AND ASSOCIATES 1020 PLAIN ST STE 150 MARSHFIELD, MA 02050 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.49% |
| RICHARD T LAWRENSON | LAWRENSON AND ASSOCIATES 1020 PLAIN STE 150 MARSHFIELD, MA 02050 | UNITED OF OMAHA LIFE INSURANCE | $2K | $0 | $2K | 10.00% |
| RICHARD T LAWRENSON3 | LAWRENSON AND ASSOCIATES 1020 PLAIN ST STE 150 MARSHFIELD, MA 02050 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| RICHARD T LAWRENSON3 | LAWRENSON AND ASSOCIATES 1020 PLAIN ST STE 150 MARSHFIELD, MA 02050 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| RICHARD T LAWRENSON3 | LAWRENSON AND ASSOCIATES 1020 PLIAN STE STE 150 MARSHFIELD, MA 02050 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.01% |
| TOM KIENZLER3 | 359 WASHINGTON STREET ENFIELD, CT 06082 | COLONIAL LIFE | $382 | $5 | $387 | 6.06% |
| RICHARD T LAWRENSON3 Filed as: RICHARD LAWRENSON JR | MARSHFIELD PROFESSIONAL CENTER MARSHFIELD, MA 02050 | COLONIAL LIFE | $234 | $0 | $234 | 3.67% |
| INNOVATIVE PARTNERS LLC3 Filed as: INNOVATIVE PARTNERS | INNOVATIVE PARTNERS MIDDLETOWN, CT 06457 | COLONIAL LIFE | $106 | $2 | $108 | 1.69% |
| CATHLEEN A. DESROSIERS3 Filed as: CATHLEEN DESROSIERS | 232 BEAR SWAMP ROAD ANDOVER, CT 06232 | COLONIAL LIFE | $92 | $12 | $104 | 1.63% |
| ENROLLMENT SOLUTIONS LTD3 | 14 WUNSCHEL DR SUTTON, MA 01590 | COLONIAL LIFE | $35 | $23 | $58 | 0.91% |
| DAVID L FLEURY3 Filed as: DAVID FLEURY | 545 SOUTH MAIN STREET PROVIDENCE, RI 02903 | COLONIAL LIFE | $21 | $18 | $39 | 0.61% |
| CAPITAL DISTRICT3 | 224 PUDDIN LN MANSFIELD, CT 02650 | COLONIAL LIFE | $33 | $0 | $33 | 0.52% |
| PHYLLIS DUNN3 | 98 CONNECTICUT BLVD EAST HARTFORD, CT 06108 | COLONIAL LIFE | $14 | $8 | $22 | 0.34% |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $21K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 72 | $43K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $36K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 26 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.