| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJM GLOBAL INSURANCE BROKERAGE3 | 25 ROCKWOOD PL 2ND FLOOR ENGLEWOOD, NJ 07031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 8.14% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.30% |
| MJM GLOBAL INSURANCE BROKERAGE3 | 25 ROCKWOOD PL STE 210 ENGLEWOOD, NJ 07631 | UNUM LIFE INSURANCE COMPANY | $22K | — | $22K | 15.02% |
| VENESSA N DEAN | — | COLONIAL LIFE & ACCIDENT | $325 | — | $325 | 0.87% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICES | — | COLONIAL LIFE & ACCIDENT | $245 | — | $245 | 0.65% |
| MICHAEL C WALKER Filed as: MICHAEL MASSARELLI | — | COLONIAL LIFE & ACCIDENT | $67 | — | $67 | 0.18% |
| ROSEANN REYNOLDS | — | COLONIAL LIFE & ACCIDENT | $62 | — | $62 | 0.17% |
| STERLING AND STERLING, INC. Filed as: STERLING & STERLING | — | COLONIAL LIFE & ACCIDENT | $51 | — | $51 | 0.14% |
| EILEEN SANCHEZ MEDINA Filed as: EILEEN E BERG | — | COLONIAL LIFE & ACCIDENT | $50 | — | $50 | 0.13% |
| FLEURY ENTERPRISES INC Filed as: FLEURY ENTERPRISES | — | COLONIAL LIFE & ACCIDENT | $42 | — | $42 | 0.11% |
| KAREN PICCININI Filed as: KAREN ANN COYLE | — | COLONIAL LIFE & ACCIDENT | $33 | — | $33 | 0.09% |
| VENESSA N DEAN3 | 3555 SOUTH OCEAN BLVD SOUTH PALM BEACH, FL 33480 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $829 | — | $829 | 7.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH ST NEW YORK, NY 10019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $598 | — | $598 | 5.07% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $390 | — | $390 | 3.31% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN E BERG | 319 THOMASTON RD WATERTOWN, CT 06795 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $317 | — | $317 | 2.69% |
| ROSEANN REYNOLDS3 | 163 CEDAR ST BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $8 | $146 | 1.24% |
| MICHAEL C WALKER3 Filed as: MICHAEL MASSARELLI | 536 A BERLIN ST SOUTHINGTON, CT 06489 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | — | $144 | 1.22% |
| FLEURY ENTERPRISES INC3 Filed as: FLEURY ENTERPRISES | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 0.96% |
| KAREN PICCININI3 Filed as: KAREN ANN COYLE | 163 CEDAR STREET BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.84% |
| DAVID L FLEURY3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| BRIAN R WADE3 | 925 ORONOKE RD WATERBURY, CT 06708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| JOHN E LANZETTA3 | 1149 PRESIDENTIAL DRIVE QUAKERTOWN, PA 18951 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICES | — | COLONIAL LIFE & ACCIDENT | $197 | $61 | $258 | 2.64% |
| VENESSA N DEAN | — | COLONIAL LIFE & ACCIDENT | $215 | — | $215 | 2.20% |
| EILEEN SANCHEZ MEDINA Filed as: EILEEN E BERG | — | COLONIAL LIFE & ACCIDENT | $154 | $1 | $155 | 1.58% |
| STERLING AND STERLING, INC. Filed as: STERLING & STERLING | — | COLONIAL LIFE & ACCIDENT | $94 | — | $94 | 0.96% |
| ROSEANN REYNOLDS | — | COLONIAL LIFE & ACCIDENT | $44 | $3 | $47 | 0.48% |
| KAREN PICCININI Filed as: KAREN ANN COYLE | — | COLONIAL LIFE & ACCIDENT | $32 | $1 | $33 | 0.34% |
| FLEURY ENTERPRISES INC Filed as: FLEURY ENTERPRISE | — | COLONIAL LIFE & ACCIDENT | $29 | — | $29 | 0.30% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICES | — | COLONIAL LIFE & ACCIDENT | $230 | $190 | $420 | 4.32% |
| EILEEN SANCHEZ MEDINA Filed as: EILEEN E BERG | — | COLONIAL LIFE & ACCIDENT | $316 | $2 | $318 | 3.27% |
| VENESSA N DEAN | — | COLONIAL LIFE & ACCIDENT | $168 | — | $168 | 1.73% |
| STERLING AND STERLING, INC. Filed as: STERLING & STERLING | — | COLONIAL LIFE & ACCIDENT | $125 | — | $125 | 1.28% |
| ROSEANN REYNOLDS | — | COLONIAL LIFE & ACCIDENT | $58 | $10 | $68 | 0.70% |
| KAREN PICCININI Filed as: KAREN ANN COYLE | — | COLONIAL LIFE & ACCIDENT | $61 | $3 | $64 | 0.66% |
| FLEURY ENTERPRISES INC Filed as: FLEURY ENTERPRISES | — | COLONIAL LIFE & ACCIDENT | $24 | — | $24 | 0.25% |
| MJM GLOBAL INSURANCE BROKERAGE | 25 ROCKWOOD PL STE 210 ENGLEWOOD, NJ 07631 | FIRST UNUM LIFE INSURANCE | — | — | $0 | — |
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 | 177 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $160K |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 235 | $204K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 235 | $147K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE | 177 | $754K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 235 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.