| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 COPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 12.50% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST - SUITE 215 FAIRFIELD, CT 06824 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| 360 CORP. BEN. ADVISORS3 | 1375 KINGS HIGHWAY E - #215 FAIRFIELD, CT 06824 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| 360 CORPORATE BENEFIT ADVISORS3 Filed as: 360 CORPORATE BENEFITS ADVISORS | 1375 KINGS HIGHWAY E - #215 FAIRFIELD, CT 06824 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| AISLING PARTNERS INSURANCE BROKERAG3 | 25 HARVARD ST WORCESTER, MA 01609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $334 | — | $334 | 2.21% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | — | $214 | 1.41% |
| KENDRA LYNN MORRIS3 | 3 RIDGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | — | $137 | 0.91% |
| MELISSA J LINDSEY3 Filed as: MELISSA J. LINDSEY | 152 HARRIS ROAD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 0.78% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LTD. | 14 WUNSCHEL DRIVE SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.59% |
| DAVID L FLEURY3 | 545 SOUTH WATER STREET PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET WORCESTER, MA 01608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.32% |
| EDWARD CORRIVEAU3 | PO BOX 180 CENTER BARNSTEAD, NH 03225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.30% |
| LONNIE SCHULTZ3 | MNU BOX 9294 OLATHE, KS 66062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.23% |
| KEVIN BRADLEY3 | 31 COUNTRY CLUB DRIVE LEDYARD, CT 06339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.12% |
| STEPHANIE DECHRISTOFARO3 | 1105 ACHIEVER CIRCLE SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.07% |
| JAROLD L WELKER3 | 1922 N 45TH STREET PHOENIX, AZ 85008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.07% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| HILARY B GRAVES3 | 1722 HEAVENS PEAK SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| BRIDGET ZUNIGA3 | 14608 W 62ND STREET SHAWNEE, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| DONNA G MOLET3 Filed as: DONNA G. MOLET | 274 ASH STREET WINCHENDON, MA 01475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MARILYN B BOWLING3 | 19204 WEST 102ND STREET LENEXA, KS 66220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MAUREEN E CONRAN3 Filed as: MAUREEN E. CONRAN | 8575 WEST 110 STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| 360 CORP. BEN. ADVISORS3 | 1375 KINGS HIGHWAY E - #215 FAIRFIELD, CT 06824 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $396 | — | $396 | 15.00% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 28 | $15K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $185K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $185K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 252 | $31K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $48K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 224 | $23K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 252 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.