| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MCCALL AGENCY INC3 Filed as: MCCALL AGENCY | 1120 20TH PLACE VERO BEACH, FL 32960 | THE HARTFORD | $64K | — | $64K | 10.00% |
| THE MCCALL AGENCY INC3 | 1120 20TH PLACE VERO BEACH, FL 32960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 3.23% |
| MICHAEL CASTRO | 106 SCENIC DRIVE BERLIN, CT 06037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 2.83% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.42% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON STREET HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $67 | $2K | 0.40% |
| MARY-JOYCE LICATA3 Filed as: MARY JOYCE LICATA | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $671 | $671 | $1K | 0.35% |
| HARMONY BENEFITS LLC3 Filed as: HARMONY BENEFITS | 17 MIDBRIDGE DRIVE MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $546 | — | $546 | 0.14% |
| AIKEN ENTERPRISES LLC3 Filed as: AIKEN ENTERPRISES INC | 341 GILLIGAN ROAD HUDSON, NY 12534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $516 | — | $516 | 0.13% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $289 | $51 | $340 | 0.09% |
| EDWARD H SPATER3 | PO BOX 351 EAST BROOKFIELD, MA 01515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $324 | — | $324 | 0.08% |
| ZEBEST INC3 | 3 GORING PL WAPPINGERS FALLS, NY 12590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 0.05% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY INSURANCE INC | 123 PINE VALLEY DR MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | — | $183 | 0.05% |
| BRIAN R WADE3 | 925 ORONOKE ROAD WATERBURY, CT 06708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | — | $102 | 0.03% |
| CAROL JACQUES | 2311 CANYON RIDGE DRIVE BROADBROOK, CT 06016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.02% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $18 | $60 | 0.02% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.01% |
| RONALD OLIANO3 | 9 LONDON COURT NEWTOWN, PA 18940 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.01% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.01% |
| MICHAEL C WALKER Filed as: MICHAEL MASSARELLI | 536 A BERLIN STREET SOUTHINGTON, CT 06489 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.01% |
| CLAIRE ZDANIS3 | 374 MAPLE HILL AVE NEWINGTON, CT 06111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.01% |
| DEAN BERNAT3 | 11-A NORTH HARBOR ST BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.01% |
| JAMES H CROUTHAMEL3 | 1308 CUSHMORE ROAD SOUTHAMPTON, PA 18966 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.01% |
| MARY KATHERINE TORRENCE3 | 51 MAGNOLIA STREET MALDEN, MA 02148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.00% |
| DAVID J ROBERTS3 | 167 NEVINS ROAD HENRIETTA, NY 14467 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| LAURIE J BURNS3 Filed as: LAURIE JANE BURNS | 1274 BICYCLE CT YORK, SC 29745 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| BENEFITS COMMUNICATIONS INC. (BCI)3 Filed as: BENEFITS COMMUNICATIONS INC | 2977 SIDCO DR NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| PAM ENTERPRISES INC3 | 839 REUNION CIRCLE PLACE BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| CHALSEE CANTRELL3 Filed as: CHALSEE DENE CANTRELL | 5407 COUNTY ROAD 1042 CELESTE, TX 75423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JOHN FOXX3 | 15 SANDPIPER ROAD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| PENELOPE ELLEN DEAN | 1052 ASHFORD AVE APT 802 SAN JUAN, PR 00907 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE MCCALL AGENCY INC Filed as: MCCALL AGENCY | 1120 20TH PLACE VERO BEACH, FL 32960 | VSP VISION CARE | $7K | — | $7K | 10.86% |
| THE MCCALL AGENCY INC3 Filed as: MCCALL AGENCY | 669 LAKE DRIVE VERO BEACH, FL 32960 | GUARDIAN | $1K | — | $1K | 9.41% |
| DAVIS II COMPANIES LLC Filed as: DAVIS II COMPANIES | — | GUARDIAN | $13 | — | $13 | 0.09% |
| THE MCCALL AGENCY INC3 Filed as: MCCALL AGENCY | 1120 20TH PLACE VERO BEACH, FL 32960 | ANTHEM LIFE INSURANCE COMPANY | $940 | — | $940 | 12.08% |
| LENNOX CAPITAL MANAGEMENT OF MAINE3 | 75 CONGRESS STREET RUMFORD, ME 04276 | VSP VISION CARE | $379 | — | $379 | 9.97% |
| MICHAEL CASTRO3 | 106 SCENIC DRIVE BERLIN, CT 06037 | THE PAUL REVERE LIFE INSURANCE COMPANY | $35 | — | $35 | 3.02% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.43% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON STREET HOLYOKE, MA 01040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $808K |
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 | 1,074 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,074 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM LIFE INSURANCE COMPANY | 0 | $8K |
| Dental | GUARDIAN | 21 | $15K |
| Vision(4 contracts, 3 carriers) | VSP VISION CARE | 661 | $94K |
| Life insurance | THE HARTFORD | 1,719 | $637K |
| Short-term disability(2 contracts, 2 carriers) | THE HARTFORD | 1,719 | $1.0M |
| Long-term disability(2 contracts, 2 carriers) | THE HARTFORD | 1,719 | $645K |
| Prescription drug | ANTHEM LIFE INSURANCE COMPANY | 0 | $8K |
| Stop-loss / reinsurancereinsurance | ANTHEM LIFE INSURANCE COMPANY | 0 | $8K |
| Other(4 contracts, 4 carriers) | THE HARTFORD | 1,719 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,719 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.