| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | HEALTH NEW ENGLAND, INC | $52K | $0 | $52K | 3.72% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 013730346 | AMERITAS LIFE INSURANCE CORP | $3K | $0 | $3K | 3.75% |
| BRIAN STEBBINS3 | 1707 NORTHAMPTON ST FL 1 HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 15.51% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 14.93% |
| PIO ANDRES ORTIZ3 | 5 BROOK RD ENFIELD, CT 06082 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 9.44% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 6.17% |
| KERRY PARSONS3 | 20 PEARSON RD HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $428 | $2K | 3.49% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL RD LONGMEADOW, MA 01106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $16 | $1K | 2.31% |
| PATRICK WILLIAM DOWLING3 | 12 LINDA ST SOUTH HADLEY, MA 01075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $864 | $2 | $866 | 1.78% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS RD BLDG C SOUTH PORTLAND, ME 04106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $69 | $0 | $69 | 0.14% |
| RICHARD HASKINS3 | PO BOX 362 MILLBURY, MA 01527 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.02% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 11.94% |
| BRIAN STEBBINS3 | 1707 NORTHAMPTON ST FL 1 HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $994 | $909 | $2K | 11.75% |
| PIO ANDRES ORTIZ3 | 5 BROOK RD ENFIELD, CT 06082 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $376 | $1K | 8.86% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $389 | $407 | $796 | 4.91% |
| KERRY PARSONS3 | 20 PEARSON RD HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $357 | $111 | $468 | 2.89% |
| PATRICK WILLIAM DOWLING3 | 12 LINDA ST SOUTH HADLEY, MA 01075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $399 | $1 | $400 | 2.47% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.17% |
| MICHAEL EDWARD RAMON3 | PO BOX 946 SOUTH DEERFIELD, MA 01373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $110 | $0 | $110 | 0.83% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $971 | $0 | $971 | 10.00% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $881 | $0 | $881 | 9.17% |
| MICHAEL EDWARD RAMON3 | PO BOX 946 SOUTH DEERFIELD, MA 01373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $80 | $0 | $80 | 0.83% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $971 | $0 | $971 | 15.00% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $759 | $0 | $759 | 13.77% |
| MICHAEL EDWARD RAMON3 | PO BOX 946 SOUTH DEERFIELD, MA 01373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $68 | $0 | $68 | 1.23% |
| BRIAN STEBBINS3 | 1707 NORTHAMPTON ST FL 1 HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $257 | $226 | $483 | 11.65% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $438 | $0 | $438 | 10.57% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL RD LONGMEADOW, MA 01106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $299 | $5 | $304 | 7.33% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $91 | $103 | $194 | 4.68% |
| KERRY PARSONS3 | 20 PEARSON RD HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $26 | $105 | 2.53% |
| PATRICK WILLIAM DOWLING3 | 12 LINDA ST SOUTH HADLEY, MA 01075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 1.28% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.43% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.17% |
| PIO ANDRES ORTIZ3 | 5 BROOK RD ENFIELD, CT 06082 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.07% |
| RICHARD HASKINS3 | PO BOX 362 MILLBURY, MA 01527 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.07% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | ALTUS DENTAL INSURANCE COMPANY, INC. | $327 | $0 | $327 | 9.98% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | ALTUS DENTAL INSURANCE COMPANY, INC. | $152 | $0 | $152 | 10.01% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | ALTUS DENTAL INSURANCE COMPANY, INC. | $141 | $0 | $141 | 10.01% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | ALTUS DENTAL INSURANCE COMPANY, INC. | $139 | $0 | $139 | 10.00% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC | 111 | $1.4M |
| Dental | AMERITAS LIFE INSURANCE CORP | 215 | $78K |
| Vision(5 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 215 | $85K |
| Life insurance(5 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 138 | $92K |
| Short-term disability(4 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 48 | $78K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 42 | $12K |
| Prescription drug | HEALTH NEW ENGLAND, INC | 111 | $1.4M |
| Other(5 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 138 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.