| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | HEALTH NEW ENGLAND, INC. | $38K | — | $38K | 4.35% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 5.16% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $766 | — | $766 | 2.71% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $612 | — | $612 | 2.17% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $374 | — | $374 | 1.32% |
| KERRY PARSONS3 | 20 PEARSON RD HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | — | $227 | 0.80% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | — | $179 | 0.63% |
| PIO ANDRES ORTIZ3 | 5 BROOK ROAD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.50% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS RD BLDG C SOUTH PORTLAND, ME 04106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.24% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.09% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $900 | $1K | $2K | 24.24% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 18.35% |
| PARTRICK WILLIAM DOWLING3 | 12 LINDA STREET SOUTH HADLEY, MA 01075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $19 | $1K | 14.03% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | $446 | $794 | 8.15% |
| KERRY PARSONS3 | 20 PEARSON RD HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | $104 | $407 | 4.18% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $490 | — | $490 | 10.19% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS | $454 | — | $454 | 10.91% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 2.30% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 2.28% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 1.86% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.90% |
| KERRY PARSONS3 | 20 PEARSON RD HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.69% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.49% |
| PIO ANDRES ORTIZ3 | 5 BROOK ROAD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.08% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.08% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | HARTFORD LIFE AND ACCIDENT | $358 | — | $358 | 10.01% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | HARTFORD LIFE AND ACCIDENT | $335 | — | $335 | 10.92% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS | $237 | — | $237 | 10.01% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS | $169 | — | $169 | 10.92% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 94 | $878K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 76 | $49K |
| Vision(4 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 76 | $57K |
| Life insurance(6 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 69 | $53K |
| Short-term disability(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 31 | $42K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 94 | $878K |
| Other(6 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 69 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.