| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT BOULEVARD SUITE 400 WAKEFIELD, MA 01880 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $51K | $13K | $63K | 2.20% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY SUITE 400 WAKEFIELD, MA 01880 | SUNLIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 7.64% |
| CHRISTINE GORDON3 | 73 WARREN AVENUE PLYMOUTH, RI 02360 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $62 | $4K | 12.63% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 11.52% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: INSURANCE NETWORK OF NEW ENGLAND | PO BOX 178 NEW PORT, RI 02840 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $188 | $2K | 5.18% |
| DB INSURANCE INC3 | 10 PEACH TREE LANE DANVERS, MA 01923 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $761 | $553 | $1K | 4.36% |
| ENROLLMENT SOLUTIONS LTD3 | 14 WUNSCHEL DRIVE SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $206 | $269 | $475 | 1.58% |
| MJ INSURANCE3 Filed as: DAVID L FLEURY AND VARIOUS AGENTS | 545 SOUTH WATER STREET PROVIDENCE, RI 02903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $289 | $45 | $334 | 1.11% |
| JUDITH KING PROTEAU3 | 30 LAFAYETTE DRIVE MARLBORO, MA 01752 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $143 | $0 | $143 | 0.47% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 334 | $2.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 334 | $2.9M |
| Vision | EYEMED VISION CARE | 183 | $1K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 36 | $30K |
| Short-term disability(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 153 | $99K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 153 | $68K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 334 | $2.9M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 36 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.