| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 1375 KINGS HWY. E, STE. 215 FAIRFIELD, CT 06824 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 12.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 1000 N. DIVISION ST., STE. 11G PEEKSKILL, NY 10566 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 2.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 16.18% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 16.18% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 16.19% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 1601 MILL PLAIN RD. FAIRFIELD, CT 06824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $752 | — | $752 | 6.47% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LTD. | 65 BURBANK RD. SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $284 | $272 | $556 | 4.78% |
| STEPHANIE DECHRISTOFARO3 | 1225 BLACK OAK DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $456 | — | $456 | 3.92% |
| COLGATE BENEFITS INC3 Filed as: COLGATE BENEFITS | 43 MAGILL DR. GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $369 | $43 | $412 | 3.54% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 0.90% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE. NORWALK, CT 06854 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 0.81% |
| KENDRA LYNN MORRIS3 | 3 RIDGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.41% |
| ROSEANN REYNOLDS3 | 163 CEDAR ST. BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $8 | $38 | 0.33% |
| FLEURY ENTERPRISES INC3 Filed as: FLEURY ENTERPRISES, INC. | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.24% |
| MELISSA J LINDSEY3 Filed as: MELISSA J. LINDSEY | 152 HARRIS ROAD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.21% |
| LONNIE SCHULTZ3 | 743 NORTH ALDER ST. GARDINER, KS 66030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.15% |
| CLARK INSURANCE3 Filed as: CLARK & LAVEY BENEFITS SOLUTIONS | 7 HENRY CLAY DR. MERRIMACK, NH 03054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.13% |
| BRITEN E CORRIVEAU3 Filed as: BRITEN CORRIVEAU | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET WORCESTER, MA 01608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.11% |
| VENESSA N DEAN3 Filed as: VENESSA N. DEAN | 1052 ASHFORD AVE. SAN JUAN, PR 00907 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.07% |
| KEVIN BRADLEY3 | 31 COUNTRY CLUB DRIVE LEDYARD, CT 06339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| BRIDGET ZUNIGA3 | 14608 W 62ND STREET SHAWNEE, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| HILARY B GRAVES3 | 1722 HEAVENS PEAK SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| MARILYN B BOWLING3 | 19204 WEST 102ND ST. LENEXA, KS 66220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MAUREEN E CONRAN3 | 10209 LAMAR AVE. OVERLAND PARK, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $786 | — | $786 | 16.16% |
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 | 358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 651 | $253K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 651 | $253K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 358 | $22K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 358 | $61K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 358 | $47K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 358 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 651 | — |
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.