| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMALL BUSINESS INSURANCE AGENCY3 Filed as: SMALL BUSINESS INS. AGENCY INC. | UNKNOWN LEXINGTON, MA 02420 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $52K | $155 | $52K | 5.32% |
| GREGORY C. LAVELLE3 | 38 LACONIA ROAD WORCESTER, MA 01609 | UNION SECURITY INSURANCE COMPANY | $14K | $0 | $14K | 8.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $560 | $0 | $560 | 3.67% |
| ANDREA R. HENCHEY3 | 5 EDGEMERE BOULEVARD SHREWSBURY, MA 01545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $309 | $0 | $309 | 2.02% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $0 | $232 | 1.52% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $0 | $138 | 0.90% |
| KARIN ANGELIS3 | 17 METCALF STREET WORCESTER, MA 01609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $0 | $96 | 0.63% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 56 STRAWBERRY LANE PORTSMOUTH, RI 02871 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.31% |
| INNOVATIVE PARTNERS LLC3 | UKNOWN MIDDLETON, CT 06457 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.12% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 224 | $979K |
| Dental | UNION SECURITY INSURANCE COMPANY | 179 | $161K |
| Vision | UNION SECURITY INSURANCE COMPANY | 179 | $161K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 179 | $176K |
| Short-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 179 | $176K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 179 | $161K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 224 | $979K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 179 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.