| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 101 HUNTINGON AVENUE, SUITE 401 BOSTON, MA 02199 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 2.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 2.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 85638 SAN DIEGO, CA 92186 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 1.14% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $264 | $264 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $3 | $1K | 4.39% |
| THEODORE W. ZIENCINA3 Filed as: THEODORE ZIENCINA AND OTHER AGENTS | 75 LENOX CIRCLE EAST LONGMEADOW, MA 01028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $522 | $66 | $588 | 2.45% |
| BRIAN STEBBINS3 | 1707 NORTHAMPTON STREET, 1ST FLOOR HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $275 | $126 | $401 | 1.67% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $297 | $71 | $368 | 1.54% |
| ARME C. EKSTROM3 | 150 CANTERBURY WAY WEST SPRINGFIELD, MA 01089 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $254 | $0 | $254 | 1.06% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $240 | $1 | $241 | 1.01% |
| ROBERT D STEBBINS3 Filed as: ROBERT D. STEBBINS | 25 STANDISH AVENUE SCITUATE, MA 02066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $209 | $2 | $211 | 0.88% |
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 | 1,241 | 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) | 1,245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | 1,709 | $109K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,539 | $692K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 24 | $24K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,539 | $692K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,539 | $718K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,539 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.