| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MCCALL AGENCY INC3 Filed as: MCCALL AGENCY | 1120 20TH PLACE VERO BEACH, FL 32960 | HARTFORD LIFE AND ACCIDENT | $61K | $61K | $121K | 20.00% |
| THE MCCALL AGENCY INC Filed as: MCCALL AGENCY | 1120 20TH PLACE VERO BEACH, FL 32960 | VISION PLAN | — | $7K | $7K | — |
| THE MCCALL AGENCY INC3 Filed as: THE MCCALL AGENCY | 1120 20TH PLACE VERO BEACH, FL 32960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $21K | $42K | — |
| MICHAEL CASTRO3 | 106 SCENIC DRIVE BERLIN, CT 06037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $18K | $36K | — |
| MICHAEL C WALKER3 Filed as: MICHAEL MASSARELLI | 536A BERLIN STREET SOUTHINGTON, CT 06489 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $4K | $7K | — |
| BRIAN STEBBINS3 | 1707 NORTHAMPTOM ST FL 1 HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | — |
| KERRY PARSONS3 | 20 PEARSON RD HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | — |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $720 | $1K | $2K | — |
| KAREN PICCININI3 Filed as: KAREN ANN COYLE | 500 MAIN ST STE 316 BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $502 | $620 | $1K | — |
| HARMONY BENEFITS LLC3 Filed as: HARMONY BENEFITS | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $535 | $535 | $1K | — |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN ROAD HUDSON, NY 12534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $529 | $529 | $1K | — |
| MARY-JOYCE LICATA3 | 24 CORIANDER LN NORTH KINGSTON, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $638 | — | $638 | — |
| RONALD OLIANO3 | 9 LONDON CT NEWTOWN, PA 18940 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | $392 | $597 | — |
| DEAN BERNAT3 | 81 MAIN ST UNIT 49 C BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $266 | $266 | $532 | — |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY INSURANCE INC | 123 PINE VALLEY DRIVE MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $193 | $386 | — |
| PAM ENTERPRISES INC3 Filed as: PAM ENTERPRISES | 839 REUNION CIRCLE PLACE BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $193 | $386 | — |
| ZEBEST INC | 2055 RESTON CIRCLE ROYAL PALM BEACH, FL 33411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $169 | $338 | — |
| LISA M AMBRUSON3 | PO BOX 1222 WARREN, MA 01083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | — | $273 | — |
| BRIAN R WADE3 Filed as: BRIAN WADE | 925 ORONOKE RD UNIT 23F WATERBURY, CT 06708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $95 | $190 | — |
| CAROL JACQUES3 | 2311 CANYON RIDGE ROAD BROAD BROOK, CT 06016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $83 | $166 | — |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $40 | $80 | — |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL RD LONGMEADOW, MA 01106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | — |
| EDWARD FRANCIS KLINGES3 Filed as: EDWARD FRANCES KLINGES | 10 BLACKBURN LANE HAVERFORD, PA 19041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $44 | $72 | — |
| CLAIRE ZDANIS3 | 374 MAPLE HILL AVE NEWINGTON, CT 06111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $27 | $54 | — |
| JAMES H CROUTHAMEL3 | 1308 CUSHMORE RD SOUTHAMPTON, PA 18966 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $22 | $44 | — |
| STEPHEN QUITADAMO3 | 3 KELLEY STREET AUBURN, MA 01501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | — |
| EDWARD H SPATER3 Filed as: EDWARD SPATER | PO BOX 351 EAST BROOKFIELD, MA 01515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | — |
| MARY KATHERINE TORRENCE3 | 51 MAGNOLIA STREET UNIT 51 A MALDEN, MA 02148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $17 | $34 | — |
| DAVID J ROBERTS3 | 167 NEVINS ROAD HENRIETTA, NY 14467 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $12 | $24 | — |
| LAURIE J BURNS3 Filed as: LAURIE JANE BURNS | 1274 BICYCLE STREET YORK, SC 29745 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $10 | $20 | — |
| DEIRDRE B HOEHN3 | 30885 FRESH POND DRIVE OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $7 | $14 | — |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $6 | $12 | — |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $6 | $12 | — |
| JOHN FOXX3 | 15 SANDPIPER ROAD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $4 | $8 | — |
| CHALSEE CANTRELL3 Filed as: CHALSEE DENE CANTRELL | 5407 COUNTY ROAD 1042 CELESTE, TX 75423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | — |
| MICHAEL CASTRO3 | 106 SCENIC DRIVE BERLIN, CT 06037 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | — | $14 | — |
| FLEURY ENTERPRISES INC3 Filed as: FLEURY ENTERPRISES | 162 INDIAN POINT RD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | — |
| BRIAN STEBBINS3 | 1707 NORTHHAMPTON ST HOLYOKE, MA 01040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $760K |
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 | 1,121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION PLAN | 682 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,753 | $606K |
| Short-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,753 | $606K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,753 | $606K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 440 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,753 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.