| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS, INC. | $58K | $0 | $58K | 3.22% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 12.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $4K | $774 | $5K | 15.22% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $715 | $0 | $715 | 6.97% |
| USI INSURANCE SERVICES LLC3 | 1007 NORTH ORANGE STREET SUITE 1120 WILMINGTON, DE 19801 | TRANSAMERICA LIFE INSURANCE COMPANY | $591 | $0 | $591 | 6.30% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $369 | $0 | $369 | 3.93% |
| JAMES T KINNEY3 Filed as: JAMES T. KINNEY | 1429 WARWICK AVENUE WARWICK, RI 02888 | TRANSAMERICA LIFE INSURANCE COMPANY | $315 | $0 | $315 | 3.36% |
| BARBARA SAXTON3 | 42266 WATERFRONT WAY PUNTA GORDA, FL 33982 | TRANSAMERICA LIFE INSURANCE COMPANY | $57 | $0 | $57 | 0.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | TRANSAMERICA LIFE INSURANCE COMPANY | $56 | $0 | $56 | 0.60% |
| USI INSURANCE SERVICES LLC3 | 95 GLASTONBURY BOULEVARD, SUITE 406 GLASTONBURY, CT 06033 | ZURICH AMERICAN INSURANCE COMPANY | $464 | $0 | $464 | 14.99% |
| PATRICK WILLIAM DOWLING3 | 12 LINDA STREET SOUTH HADLEY, MA 01075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $247 | $1 | $248 | 8.69% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE MERIDEN, CT 06450 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $181 | $3 | $184 | 6.44% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $23 | $49 | 1.72% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $10 | $42 | 1.47% |
| BRIAN STEBBINS3 | 1707 NORTHAMPTON STREET, FLOOR 1 HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $15 | $30 | 1.05% |
| CHRISTOPHER MANZI3 Filed as: CHRISTOPHER MANZI AND OTHER AGENTS | 400 COLONIAL DRIVE, UNIT 66 IPSWITCH, MA 01938 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.88% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.67% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 176 | $1.8M |
| Dental | ANTHEM HEALTH PLANS, INC. | 176 | $1.8M |
| Vision | VISION SERVICE PLAN | 82 | $10K |
| Life insurance(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 123 | $80K |
| Short-term disability(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 123 | $80K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 123 | $77K |
| Prescription drug | ANTHEM HEALTH PLANS, INC. | 176 | $1.8M |
| Other(5 contracts, 5 carriers) | ANTHEM LIFE INSURANCE COMPANY | 123 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.