| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $45K | — | $45K | 2.22% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $31K | — | $31K | 20.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $8K | — | $8K | 20.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $9K | — | $9K | 25.00% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH DEERFIELD, IL 60015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.16% |
| DB INSURANCE INC3 | 23 FRANKLIN STREET SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $316 | $1K | 4.72% |
| GIANNI RICHIO3 | 18 RICKER CIRCLE SOUTH HAMILTON, MA 01982 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $14 | $1K | 4.09% |
| EASTERN INSURANCE GROUP LLC3 | PO BOX 4000 WAKEFIELD, MA 01880 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $420 | — | $420 | 1.36% |
| CHRISTOPHER MANZI3 | 400 COLONIAL DRIVE IPSWICH, MA 01938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | $155 | $350 | 1.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 1070 SUFFIELD STREET AGAWAM, MA 01001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $342 | — | $342 | 1.11% |
| ARNE C EKSTROM3 | 150 CANTERBURY WAY WEST SPRINGFIELD, MA 01089 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | — | $275 | 0.89% |
| THEODORE W. ZIENCINA3 Filed as: THEODORE W ZIENCINA | 75 LENOX CIRCLE EAST LONGMEADOW, MA 01028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 0.48% |
| ELAISIUS BONNER3 | 974 ROSEFIELD LANE AURORA, IL 60504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $50 | $127 | 0.41% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON STREET HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.40% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.20% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.17% |
| CHRISTINE P O'HARE3 | 153 TOLPA CIRCLE CHICOPEE, MA 01020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.06% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD BUILDING C SOUTH PORTLAND, ME 04106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| MAUREEN GILLIGAN3 | 42 HOMESTEAD LANE YARMOUTH PORT, MA 02675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| PIO ANDRES ORTIZ3 | 5 BROOK ROAD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
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 | 460 | 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) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 261 | $2.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 261 | $2.0M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 261 | $2.0M |
| Life insurance | USABLE LIFE | 528 | $40K |
| Short-term disability | USABLE LIFE | 154 | $36K |
| Long-term disability | USABLE LIFE | 528 | $155K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 528 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 528 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.