| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM GEORGE3 | 1 BLACKWELL LANE WORCESTER, MA 016094406 | FALLON HEALTH | $15K | — | $15K | 5.07% |
| WILLIAM GEORGE3 | 1 BLACKWELL LANE WORCESTER, MA 016094406 | FALLON HEALTH | $15K | — | $15K | 18.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE, WILLIAM W | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $3K | — | $3K | 4.67% |
| THOMAS SCANLON3 | 121 ROLLING MEADOWS DRIVE HOLLISTON, MA 01746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $167 | $4K | 6.68% |
| PERRYVILLE MARKETING ASSOCIATES LLC3 | PO BOX 171 REHOBETH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $810 | — | $810 | 1.28% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $453 | $211 | $664 | 1.05% |
| RONALD MARK SCHNEIDER3 | 17 MORGAN DRIVE NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $630 | — | $630 | 0.99% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $580 | — | $580 | 0.91% |
| MICHAEL S OBERLANDER3 | PO BOX 171 REHOBETH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | — | $213 | 0.34% |
| CHRISTINE GORDON3 | 73 WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | — | $191 | 0.30% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | — | $164 | 0.26% |
| FALVEY BENEFIT ADVISORS INC3 | 15 GERORDAN AVE BELLINGHAM, MA 02019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 0.21% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON STREET HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 0.19% |
| BSK BENEFITS PLUS LLC3 | 205 PINCREST DR COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.12% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $6 | $27 | 0.04% |
| KEVIN M WHITE3 | 8 BEACON STREET BOSTON, MA 02108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.03% |
| DAVID A SILVIA3 | PO BOX 706 N DIGHTON, MA 02764 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| JORDAN YAVER MUCHNICK ESTATE3 | 400 3RD ST BROOKLYN, NY 11215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| AMY F MUCHNICK3 | C/O AMY MUCHNICK SPRINGFIELD, MO 65802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| MAIER FREEDMAN3 | 830 SHERMAN STREET DENVER, CO 80203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| JORDAN Y MUCHNICK3 | 148 HICKORY HILL LANE NEWINGTON, CT 06111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| ROBERT S WHITEHEAD3 | 9050 HEARTHSTONE DR ZIONSVILLE, IA 46077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| GEORGE, WILLIAM3 | 1 BLACKWELL LN WORCESTER, MA 016094406 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 8.55% |
| THOMAS SCANLON3 | 121 ROLLING MEADOW DRIVE HOLLISTON, MA 01746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $236 | $3K | 24.88% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $383 | $301 | $684 | 5.14% |
| RONALD MARK SCHNEIDER3 | 17 MORGAN DRIVE NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $440 | — | $440 | 3.31% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $373 | — | $373 | 2.80% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $9 | $40 | 0.30% |
| THOMAS SCANLON3 | 121 ROLLING MEADOW DRIVE HOLLISTON, MA 01746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $272 | $11 | $283 | 5.53% |
| PERRYVILLE MARKETING ASSOCIATES LLC3 | PO BOX 171 REHOBETH, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 2.44% |
| RONALD MARK SCHNEIDER3 | 17 MORGAN DRIVE NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.88% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $11 | $35 | 0.68% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.68% |
| MICHAEL S OBERLANDER3 | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.49% |
| CHRISTINE GORDON3 | 73 WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.49% |
| FALVEY BENEFIT ADVISORS INC3 | 15 GERORDAN AVE BELLINGHAM, MA 02019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.21% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.21% |
| DAVID A SILVIA3 | PO BOX 706 N DIGHTON, MA 02764 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| WILLIAM GEORGE3 | 1 BLACKWELL LANE WORCESTER, MA 016094406 | VISION SERVICE PLAN | $490 | — | $490 | 10.95% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 168 | $91K |
| Vision | VISION SERVICE PLAN | 30 | $4K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $17K |
| Long-term disability(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 45 | $82K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.