| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY C PATRIARCA | — | ALLWAYS HEALTH PARTNERS | $21K | — | $21K | 4.86% |
| WILLIAM GEORGE3 Filed as: WILLIAM W. GEORGE | 1 BLACKWELL LANE WORCESTER, MA 016094406 | FALLON HEALTH | $16K | — | $16K | 3.73% |
| WILLIAM GEORGE3 Filed as: WILLIAM W. GEORGE | 1 BLACKWELL LANE WORCESTER, MA 016094406 | FALLON HEALTH | $16K | — | $16K | 13.41% |
| WILLIAM GEORGE3 Filed as: WILLIAM W GEORGE | 1 BLACKWELL LN WORCESTER, MA 016094406 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $4K | $17K | $21K | 25.36% |
| THOMAS SCANLON3 | 121 ROLLING MEADOWS DRIVE HOLLISTON, MA 01746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $191 | $3K | 4.79% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 4.31% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $634 | $2K | 2.85% |
| LORI ANN MARTINEZ3 | 11 MONUMENT DR OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $664 | $2K | 2.39% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | DBA ROGERSGRAY SOUTH DENNIS, MA 02660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.37% |
| KARIN ANGELIS3 | 2639 N RIVERSIDE DRIVE POMPANO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $529 | $108 | $637 | 0.88% |
| RONALD MARK SCHNEIDER3 | 17 MORGAN DRIVE NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $536 | — | $536 | 0.74% |
| PERRYVILLE MARKETING ASSOCIATES LLC3 | P.O. BOX 171 REHOBETH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $452 | — | $452 | 0.62% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $445 | — | $445 | 0.61% |
| CARLEIGH GORDON3 | 135 SKUNK HILL RD EXETER, RI 02822 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | $49 | $347 | 0.48% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $30 | $154 | 0.21% |
| MICHAEL S OBERLANDER3 | P.O. BOX 171 REHOBETH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 0.19% |
| CHRISTINE GORDON3 | 123B WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | — | $119 | 0.16% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.11% |
| FALVEY BENEFIT ADVISORS INC3 | 2 LOCUST HILL DR MENDON, MA 01756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.09% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON STREET HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.06% |
| MAIER FREEDMAN3 | 830 SHERMAN STREET DENVER, CO 80203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.06% |
| BSK BENEFITS PLUS LLC3 | 205 PINCREST DR COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.04% |
| COAKLEY CONSULTING INC3 | PO BOX 1562 CHARLESTOWN, RI 02813 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $2 | $24 | 0.03% |
| DAVID A SILVIA3 | PO BOX 706 N DIGHTON, MA 02764 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| AMY F MUCHNICK3 | C/O AMY MUCHNICK SPRINGFIELD, MO 65802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| KEVIN M WHITE3 | 8 BEACON STREET BOSTON, MA 02108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| WILLIAM GEORGE3 | 1 BLACKWELL LN WORCESTER, MA 016094406 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 14.69% |
| THOMAS SCANLON3 | 121 ROLLING MEADOW DRIVE HOLLISTON, MA 01746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $816 | $43 | $859 | 6.45% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $397 | $380 | $777 | 5.83% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | DBA ROGERSGRAY SOUTH DENNIS, MA 02660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $412 | — | $412 | 3.09% |
| LORI ANN MARTINEZ3 | 11 MONUMENT DR OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $247 | $153 | $400 | 3.00% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $255 | $112 | $367 | 2.76% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LN NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | $60 | $238 | 1.79% |
| KARIN ANGELIS3 | 2639 N RIVERSIDE DRIVE POMPANO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $24 | $144 | 1.08% |
| RONALD MARK SCHNEIDER3 | 17 MORGAN DRIVE NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 0.98% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.86% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $5 | $28 | 0.21% |
| COLGATE BENEFITS INC3 | 43 MAGILL DR. GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $2 | $15 | 0.11% |
| BRIAN S DEMPSEY3 | 60 BAILEY BLVD STE 1 HAVERHILL, MA 01830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| FALVEY BENEFIT ADVISORS INC3 | 2 LOCUST HILL DR MENDON, MA 01756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| WILLIAM GEORGE3 Filed as: WILLIAM W GEORGE | 1 BLACKWELL LN WORCESTER, MA 016094406 | VISION SERVICE PLAN | $766 | — | $766 | 7.33% |
| THOMAS SCANLON3 | 121 ROLLING MEADOW DRIVE HOLLISTON, MA 01746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $500 | $39 | $539 | 8.58% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $53 | $115 | 1.83% |
| RONALD MARK SCHNEIDER3 | 17 MORGAN DRIVE NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 1.19% |
| PERRYVILLE MARKETING ASSOCIATES LLC3 | P.O. BOX 171 REHOBETH, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 1.16% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 1.07% |
| MICHAEL S OBERLANDER3 | P.O. BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.24% |
| CHRISTINE GORDON3 | 123B WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.24% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $3 | $10 | 0.16% |
| FALVEY BENEFIT ADVISORS INC3 | 2 LOCUST HILL DR MENDON, MA 01756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.14% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.14% |
| LORI ANN MARTINEZ3 | 11 MONUMENT DR OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.13% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | DBA ROGERSGRAY SOUTH DENNIS, MA 02660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.10% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.08% |
| DAVID A SILVIA3 | PO BOX 706 N DIGHTON, MA 02764 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $102 | $189 | 13.76% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LN NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $39 | $154 | 11.21% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | DBA ROGERSGRAY SOUTH DENNIS, MA 02660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 8.30% |
| KARIN ANGELIS3 | 2639 N RIVERSIDE DRIVE POMPANO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $8 | $47 | 3.42% |
| LORI ANN MARTINEZ3 | 11 MONUMENT DR OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $5 | $12 | 0.87% |
| THOMAS SCANLON3 | 121 ROLLING MEADOW DRIVE HOLLISTON, MA 01746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.36% |
| RONALD MARK SCHNEIDER3 | 17 MORGAN DRIVE NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.07% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.07% |
| COLGATE BENEFITS INC3 | 43 MAGILL DR. GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.07% |
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 | 158 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 217 | $101K |
| Vision | VISION SERVICE PLAN | 89 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $19K |
| Long-term disability(4 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 65 | $94K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.