| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJM GLOBAL INSURANCE BROKERAGE | 25 ROCKWOOD PL 2ND FLOOR STE 210 NORTH ARLINGTON, NJ 07031 | GUARDIAN | $22K | — | $22K | 8.80% |
| DAILYFEATS INC. Filed as: DAILYFEATS | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | GUARDIAN | $4K | — | $4K | 1.62% |
| EILEEN SANCHEZ MEDINA Filed as: EILEEN E BERG | 319 THOMASTON RD UNIT 12 WATERTOWN, CT 06795 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $757 | — | $757 | 2.33% |
| VENESSA N DEAN | 1052 AVE ASHFORD APT 802 SAN JUAN, PR 00907 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $722 | — | $722 | 2.22% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH ST NEW YORK, NY 10019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $586 | $65 | $651 | 2.00% |
| STERLING AND STERLING, INC. Filed as: STERLING & STERLING LLC | 135 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $362 | — | $362 | 1.11% |
| KAREN PICCININI Filed as: KAREN ANN COYLE | 500 E MAIN ST STE 316 BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | $29 | $243 | 0.75% |
| MJM GLOBAL INSURANCE BROKERAGE | 25 ROCKWOOD PLACE STE 210 ENGLEWOOD, NJ 07631 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 0.63% |
| ROSEANN REYNOLDS | 163 CEDAR ST UNIT 2 B BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | $7 | $171 | 0.53% |
| MICHAEL C WALKER Filed as: MICHAEL MASSARELLI | 536A BERLIN ST SOUTHINGTON, CT 06489 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.34% |
| FLEURY ENTERPRISES INC | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 0.32% |
| MJM GLOBAL INSURANCE BROKERAGE | 25 ROCKWOOD PL STE 210 ENGLEWOOD, NJ 07631 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| VENESSA N DEAN | 1052 AVE ASHFORD APT 802 SAN JUAN, PR 00907 | COLONIAL LIFE ACCIDENT INSURANCE | $244 | — | $244 | 2.69% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH NEW YORK, NY 10019 | COLONIAL LIFE ACCIDENT INSURANCE | $207 | — | $207 | 2.28% |
| ROSEANN REYNOLDS | 163 CEDAR ST UNIT 2 B BRANFORD, CT 06405 | COLONIAL LIFE ACCIDENT INSURANCE | $53 | — | $53 | 0.58% |
| MICHAEL C WALKER Filed as: MICHAEL MASSARELLI | 536A BERLIN ST SOUTHINGTON, CT 06489 | COLONIAL LIFE ACCIDENT INSURANCE | $49 | — | $49 | 0.54% |
| EILEEN SANCHEZ MEDINA Filed as: EILEEN E BERG | 319 THOMASTON RD UNIT 12 WATERTOWN, CT 06795 | COLONIAL LIFE ACCIDENT INSURANCE | $37 | — | $37 | 0.41% |
| FLEURY ENTERPRISES INC | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE ACCIDENT INSURANCE | $32 | — | $32 | 0.35% |
| KAREN PICCININI Filed as: KAREN ANN COYLE | 500 E MAIN ST STE 316 BRANFORD, CT 06405 | COLONIAL LIFE ACCIDENT INSURANCE | $24 | — | $24 | 0.26% |
| STERLING AND STERLING, INC. Filed as: STERLING & STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | COLONIAL LIFE ACCIDENT INSURANCE | $8 | — | $8 | 0.09% |
| VENESSA N DEAN | 1052 AVE ASHFORD APT 802 SAN JUAN, PR 00907 | COLONIAL LIFE & ACCIDENT INSURANCE | $152 | — | $152 | 1.83% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH ST NEW YORK, NY 10019 | COLONIAL LIFE & ACCIDENT INSURANCE | $110 | — | $110 | 1.32% |
| EILEEN SANCHEZ MEDINA Filed as: EILEEN E BERG | 319 THOMASTON RD UNIT 12 WATERTOWN, CT 06795 | COLONIAL LIFE & ACCIDENT INSURANCE | $103 | — | $103 | 1.24% |
| STERLING AND STERLING, INC. Filed as: STERLING & STERLING LLC | 135 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | COLONIAL LIFE & ACCIDENT INSURANCE | $76 | — | $76 | 0.91% |
| ROSEANN REYNOLDS | 163 CEDAR ST UNIT 2 B BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE | $33 | — | $33 | 0.40% |
| KAREN PICCININI Filed as: KAREN ANN COYLE | 500 E MAIN ST STE 316 BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE | $23 | — | $23 | 0.28% |
| FLEURY ENTERPRISES INC | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE | $23 | — | $23 | 0.28% |
| VENESSA N DEAN | 1052 AVE ASHFORD APT SAN JUAN, PR 00907 | COLONIAL LIFE & ACCIDENT | $132 | — | $132 | 1.78% |
| EILEEN SANCHEZ MEDINA Filed as: EILEEN E BERG | 319 THOMASTON RD UNIT 12 WATERTOWN, CT 06795 | COLONIAL LIFE & ACCIDENT | $126 | — | $126 | 1.69% |
| STERLING AND STERLING, INC. Filed as: STERLING & STERLING LLC | 135 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | COLONIAL LIFE & ACCIDENT | $116 | — | $116 | 1.56% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICE | 320 W 57TH ST NEW YORK, NY 10019 | COLONIAL LIFE & ACCIDENT | $79 | — | $79 | 1.06% |
| KAREN PICCININI Filed as: KAREN ANN COYLE | 500 E MAIN ST STE 316 BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT | $25 | — | $25 | 0.34% |
| ROSEANN REYNOLDS | 163 CEDAR ST UNIT 2 B BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT | $23 | — | $23 | 0.31% |
| FLEURY ENTERPRISES INC | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT | $21 | — | $21 | 0.28% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 275 | $250K |
| Vision | GUARDIAN | 275 | $250K |
| Life insurance(6 contracts, 4 carriers) | GUARDIAN | 275 | $293K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 275 | $268K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 178 | $823K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 275 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.