| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | UNITED HEALTHCARE INSURANCE COMPANY | $35K | $0 | $35K | 1.83% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC. | 1 GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | UNITED HEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 1.34% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $476 | $476 | 0.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $75 | $0 | $75 | 0.00% |
| ASHLEY FOLLIS3 | 2 GRIFFITH DRIVE DURHAM, NH 03824 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $9 | $47 | 1.98% |
| GROUP BROKERAGE INS. AGENCY LLC3 | 135 BEAVER STREET WALTHAM, MA 02452 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 1.94% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC. | ONE GATEWAY CENTER NEWTON, MA 02458 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 1.94% |
| STEPHEN CORRIVEAU3 Filed as: STEPHEN CORRIVEAU AND OTHER AGENTS | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 1.77% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $18 | $40 | 1.69% |
| KRISTY COLGATE3 | 43 MAGILL DRIVE GRAFTON, MA 01519 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $5 | $32 | 1.35% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 1.10% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 365 | $1.9M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 365 | $1.9M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 365 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 365 | $1.9M |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 365 | $1.9M |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 365 | $1.9M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 365 | $1.9M |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 365 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.