| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | HEALTH NEW ENGLAND, INC. | $41K | — | $41K | 4.26% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 4.28% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $735 | — | $735 | 2.97% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $582 | — | $582 | 2.36% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $367 | — | $367 | 1.49% |
| KERRY PARSONS3 | 20 PEARSON RD HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | — | $213 | 0.86% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | — | $169 | 0.68% |
| PIO ANDRES ORTIZ3 | 5 BROOK ROAD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.50% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS RD BLDG C SOUTH PORTLAND, ME 04106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.30% |
| RICHARD HASKINS3 | P.O.BOX 362 MILLBURG, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 12.00% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $277 | — | $277 | 3.00% |
| PARTRICK WILLIAM DOWLING3 | 12 LINDA STREET SOUTH HADLEY, MA 01075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | — | $202 | 2.19% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | — | $161 | 1.75% |
| KERRY PARSONS3 | 20 PEARSON RD HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.86% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.74% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS, INC. | $510 | — | $510 | 13.73% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 2.45% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 2.42% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 1.99% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 1.04% |
| KERRY PARSONS3 | 20 PEARSON RD HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.72% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.52% |
| PIO ANDRES ORTIZ3 | 5 BROOK ROAD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.09% |
| RICHARD HASKINS3 | P.O. BOX 362 MILLBURG, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.09% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.06% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS, INC. | $304 | — | $304 | 14.91% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 S DEERFIELD, MA 013730346 | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS, INC. | $167 | — | $167 | 13.84% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 102 | $951K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 209 | $65K |
| Vision(4 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 209 | $72K |
| Life insurance(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 126 | $47K |
| Short-term disability(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 27 | $37K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 102 | $951K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 126 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.