| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | NEIGHBORHOOD HEALTH PLAN, INC. | $100K | $0 | $100K | 3.19% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28K | $29K | $57K | 12.53% |
| BRIAN S DEMPSEY3 | 60 BAILEY BOULEVARD HAVERHILL, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34K | $5K | $39K | 8.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36K | $0 | $36K | 7.79% |
| RYAN PATRICK DEMPSEY3 | 25 MARINA DRIVE HAVERHILL, MA 01830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $0 | $10K | 2.20% |
| CARLEIGH GORDON3 | 135 SKUNK HILL ROAD EXETER, RI 02822 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $2K | $10K | 2.19% |
| KARIN ANGELIS3 | 17 METCALF STREET WORCESTER, MA 01609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 1.67% |
| THOMAS BENEFITS INC3 Filed as: THOMAS MCCABE | 14 CHANDLER STREET SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $43 | $7K | 1.59% |
| NOREEN CAREY NEVILLE3 | 296 BILLINGTON STREET PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 1.22% |
| DAVID L FLEURY3 | 56 STRAWBERRY LANE PORTSMOUTH, RI 02871 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $239 | $4K | 0.78% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $714 | $3K | 0.74% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $787 | $3K | 0.65% |
| JESSICA KHOKHLAN3 | 30 SHELLY ROAD NORTON, MA 02766 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $106 | $2K | 0.51% |
| MELISSA URBAN KINDNESS3 | 32 CAMARA DRIVE PORTSMOUTH, RI 02871 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $129 | $2K | 0.50% |
| ANDREA R. HENCHEY3 Filed as: ANDREA R HENCHEY | 5 EDGEMERE BOULDEVARD SHREWSBURY, MA 01545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $335 | $629 | $964 | 0.21% |
| ASHLEY MCQUADE3 | 265 BLACKSTONE STREET UXBRIDGE, MA 01569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $893 | $57 | $950 | 0.21% |
| KENDRA LYNN MORRIS3 | 3 RIDGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $839 | $25 | $864 | 0.19% |
| COAKLEY CONSULTING INC3 | 11 FREDERICK A NITTLE ROAD N ATTLEBORO, MA 02760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $687 | $118 | $805 | 0.18% |
| DB INSURANCE INC3 | 26 HOURIHAN STREET UNIT 2 PEABODY, MA 01960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $672 | $66 | $738 | 0.16% |
| KIMBERLY ANNE CUNNINGHAM3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | $306 | $542 | 0.12% |
| ASHLEY FOLLIS3 | 2 GRIFFITH DRIVE DURHAM, NH 03824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $437 | $97 | $534 | 0.12% |
| FALVEY BENEFIT ADVISORS INC3 | 15 GERORDAN AVENUE BELLINGHAM, MA 02019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $399 | $35 | $434 | 0.09% |
| PATRICIA DASILVA3 | 22A RAMARAC DRIVE SMITHFIELD, RI 02828 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $406 | $27 | $433 | 0.09% |
| CHRISTOPHER MANZI3 | 173 BRIMBLE AVENUE BEVERLY, MA 01915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $314 | $72 | $386 | 0.08% |
| KRISTY COLGATE3 | 43 MAGILL DRIVE GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | $148 | $312 | 0.07% |
| ROBERT READ3 | 267 PLAIN STREET REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | $45 | $310 | 0.07% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $65 | $266 | 0.06% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: INSURANCE NETWORK OF NEW ENGLAND | PO BOX 178 NEW PORT, RI 02840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $2 | $132 | 0.03% |
| LORI ANN MARTINEZ3 | 7 SYDNEY CIRCLE CHARLTON, MA 01507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $0 | $92 | 0.02% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 0.02% |
| CHRISTOPHER CLAY3 | 172 COLONY CREEK DRIVE AUSTIN, TX 78758 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $0 | $78 | 0.02% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $13 | $65 | 0.01% |
| FREDERICK D LEIGH3 | 29 RAMBLIN BROOK ROAD SEEKONK, MA 02771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.01% |
| STEPHANIE DECHRISTOFARO3 | 1105 ACHIEVER CIRCLE SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $2 | $59 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GARTH E BROWN | 7 SKYTOP ROAD IPSWICH, MA 01938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.01% |
| MICHAEL S OBERLANDER3 | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.01% |
| THOMAS E KIENZLER3 | 359 WASHINGTON ROAD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.01% |
| KATHERINE E GREENE3 | 22 OAKLAWN AVENUE APARTMENT 112 CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.01% |
| GIANNI RICHIO3 | 18 RICKER CIRCLE SOUTH HAMILTON, MA 01982 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $1 | $35 | 0.01% |
| CHRISTINE GORDON3 | 73 WARREN AVENUE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $1 | $27 | 0.01% |
| MORRILL KOSLOW AND ASSOC INS AGENCY3 | 12 GILL STREET SUITE 5600 WOBURN, MA 01801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.00% |
| JEFFREY ANTHONY MANZI3 | 9 RICHARD EGER DRIVE HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.00% |
| PHYLLIS DUNN3 | 14 NUHFER DRIVE COLUMBIA, CT 06237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.00% |
| BRIAN R WADE3 | 925 ORONOKE ROAD WATERBURY, CT 06708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $3 | $5 | 0.00% |
| BENEFITS AT WORK LLC3 | 1300 PINEMONT DRIVE COLUMBIA, SC 29206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| DANA SENNO SUMMERS3 | 2474 GREE POINT LANE DENVER, NC 28037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| COORDEN ADMINISTRATION3 | 27 HUDSON AVENUE MOUNT VERNON, NY 10553 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| BRIAN SUMMERS3 | 2474 GREEN POINT LANE DENVER, NC 28037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $4K | $9K | 4.88% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $721 | $0 | $721 | 0.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $902 | $0 | $902 | 14.29% |
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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NEIGHBORHOOD HEALTH PLAN, INC. | 282 | $3.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 841 | $185K |
| Vision | EYEMED VISION CARE | 70 | $6K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 416 | $457K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 841 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.