| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | CHRISTY C PATRIARCA 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | MASS GENERAL BRIGHAM HEALTH PLAN | $28K | — | $28K | 5.02% |
| WILLIAM GEORGE3 Filed as: WILLIAM W GEORGE | 1 BLACKWELL LN WORCESTER, MA 016094406 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $4K | $22K | $26K | 27.87% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 9.05% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | DBA ROGERSGRAY SOUTH DENNIS, MA 02660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $727 | $7K | 8.08% |
| LORI ANN MARTINEZ3 | 11 MONUMENT DR OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $7K | 7.79% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON ST CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $6K | 7.42% |
| THOMAS SCANLON3 | 121 ROLLING MEADOWS DR HOLLISTON, MA 01746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.66% |
| KARIN ANGELIS3 | 2639 N RIVERSIDE DR APT 1104 POMPANO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $112 | $1K | 1.59% |
| CARLEIGH GORDON3 | 135 SKUNK HILL RD EXETER, RI 02822 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $853 | $210 | $1K | 1.24% |
| JEFFREY SPICOLA3 | 65 AVONWOOD RD APT B6 AVON, CT 06001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $472 | $103 | $575 | 0.67% |
| PERRYVILLE MARKETING ASSOCIATES LLC3 | P.O. BOX 171 REHOBETH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $278 | — | $278 | 0.32% |
| STEPHEN CORRIVEAU3 | 420 GRANGE RD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | — | $269 | 0.31% |
| RONALD MARK SCHNEIDER3 | 17 MORGAN DR UNIT 409 NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $244 | — | $244 | 0.28% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | — | $243 | 0.28% |
| BLACKSTONE BENEFITS GROUP3 | 11 MONUMENT DR OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | — | $195 | 0.23% |
| MICHAEL S OBERLANDER3 | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.13% |
| COAKLEY CONSULTING INC3 | PO BOX 1562 CHARLESTOWN, RI 02813 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $27 | $90 | 0.10% |
| CHRISTINE GORDON3 | 123B WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.10% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.08% |
| BRIAN STEBBINS3 | 1707 NORTHHAMPTON ST FL 1 HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.05% |
| FALVEY BENEFIT ADVISORS INC3 | 2 LOCUST HILL DR MENDON, MA 01756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.05% |
| COLOGATE BENEFITS INC3 | 43 MAGILL DR GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $3 | $38 | 0.04% |
| BSK BENEFITS PLUS LLC3 | 205 PINCREST DR COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.04% |
| MAIER FREEDMAN3 | 830 SHERMAN STREET DENVER, CO 80203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| DAVID A SILVIA3 | PO BOX 706 N DIGHTON, MA 02764 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| AMY F MUCHNICK3 | C/O AMY MUCHNICK SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| KEVIN M WHITE3 | 8 BEACON ST STE 24 BOSTON, MA 02108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| RICHARD HASKINS3 | PO BOX 362 MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| WILLIAM GEORGE3 | 1 BLACKWELL LN WORCESTER, MA 016094406 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.58% |
| WILLIAM GEORGE3 Filed as: WILLIAM W GEORGE | 1 BLACKWELL LN WORCESTER, MA 016094406 | VISION SERVICE PLAN | $1K | — | $1K | 6.30% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $695 | $690 | $1K | 10.43% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | DBA ROGERSGRAY SOUTH DENNIS, MA 02660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $128 | $1K | 9.09% |
| LORI ANN MARTINEZ3 | 11 MONUMENT DR OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $526 | $532 | $1K | 7.97% |
| CARLEIGH GORDON3 | 135 SKUNK HILL RD EXETER, RI 02822 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $412 | $103 | $515 | 3.88% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON ST CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $353 | $143 | $496 | 3.74% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LN NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $372 | $116 | $488 | 3.68% |
| KARIN ANGELIS3 | 2639 N RIVERSIDE DR APT 1104 POMPANO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $16 | $190 | 1.43% |
| THOMAS SCANLON3 | 121 ROLLING MEADOW DR HOLLISTON, MA 01746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | — | $152 | 1.14% |
| BLACKSTONE BENEFITS GROUP3 | 11 MONUMENT DR OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.42% |
| COAKLEY CONSULTING INC3 | PO BOX 1562 CHARLESTOWN, RI 02813 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $13 | $44 | 0.33% |
| COLGATE BENEFITS INC3 | 43 MAGILL DR. GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $2 | $29 | 0.22% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.20% |
| RONALD MARK SCHNEIDER3 | 17 MORGAN DR UNIT 409 NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.19% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.19% |
| STERLING AND STERLING, INC.3 Filed as: STERLING BRIDGE INSURANCE AGENCY | PO BOX 15022 WORCESTER, MA 01615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.14% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: INSURANCE NETWORK OF NEW ENGLAND | PO BOX 178 NEW PORT, RI 02840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.13% |
| BRIAN S DEMPSEY3 | 60 BAILEY BLVD STE 1 HAVERHILL, MA 01830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.09% |
| KATHERINE E GREENE3 | 153 WELLINGTON AVE FL 1 CRANSTON, RI 02910 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.08% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| FALVEY BENEFIT ADVISORS INC3 | 2 LOCUST HILL DR MENDON, MA 01756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| THOMAS SCANLON3 | 121 ROLLING MEADOW DR HOLLISTON, MA 01746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | — | $228 | 3.42% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $62 | $150 | 2.25% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | DBA ROGERSGRAY SOUTH DENNIS, MA 02660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $11 | $104 | 1.56% |
| LORI ANN MARTINEZ3 | 11 MONUMENT DR OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $49 | $97 | 1.46% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $25 | $84 | 1.26% |
| PERRYVILLE MARKETING ASSOCIATES LLC3 | P.O. BOX 171 REHOBETH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 1.20% |
| JEFFREY SPICOLA3 | 65 AVONWOOD RD APT B6 AVON, CT 06001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $10 | $54 | 0.81% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.59% |
| RONALD MARK SCHNEIDER3 | 17 MORGAN DR UNIT 409 NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.57% |
| CARLEIGH GORDON3 | 135 SKUNK HILL RD EXETER, RI 02822 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $4 | $19 | 0.29% |
| MICHAEL S OBERLANDER3 | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.24% |
| CHRISTINE GORDON3 | 123B WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.24% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.15% |
| FALVEY BENEFIT ADVISORS INC3 | 2 LOCUST HILL DR MENDON, MA 01756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.14% |
| BLACKSTONE BENEFITS GROUP3 | 11 MONUMENT DR OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.12% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| COLOGATE BENEFITS INC3 | 43 MAGILL DR GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| DAVID A SILVIA3 | PO BOX 706 N DIGHTON, MA 02764 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| COAKLEY CONSULTING INC3 | PO BOX 1562 CHARLESTOWN, RI 02813 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON ST CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $849 | $358 | $1K | 18.26% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $577 | $627 | $1K | 18.21% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | DBA ROGERSGRAY SOUTH DENNIS, MA 02660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $854 | $116 | $970 | 14.67% |
| LORI ANN MARTINEZ3 | 11 MONUMENT DR OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $390 | $413 | $803 | 12.15% |
| KARIN ANGELIS3 | 2639 N RIVERSIDE DR APT 1104 POMPANO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $192 | $17 | $209 | 3.16% |
| BLACKSONE BENEFITS GROUP3 | 11 MONUMENT DR OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 1.98% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $297 | $301 | $598 | 14.26% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | DBA ROGERSGRAY SOUTH DENNIS, MA 02660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $500 | $53 | $553 | 13.19% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LN NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | $99 | $424 | 10.11% |
| LORI ANN MARTINEZ3 | 11 MONUMENT DR OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $65 | $129 | 3.08% |
| KARIN ANGELIS3 | 2639 N RIVERSIDE DR APT 1104 POMPANO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $10 | $120 | 2.86% |
| JEFFREY SPICOLA3 | 65 AVONWOOD RD APT B6 AVON, CT 06001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $19 | $108 | 2.58% |
| THOMAS SCANLON3 | 121 ROLLING MEADOW DR HOLLISTON, MA 01746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.43% |
| BLACKSTONE BENEFITS GROUP3 | 11 MONUMENT DR OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.41% |
| COLGATE BENEFITS INC3 | 43 MAGILL DR GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.26% |
| RONALD MARK SCHNEIDER3 | 17 MORGAN DR UNIT 409 NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 222 | $120K |
| Vision | VISION SERVICE PLAN | 102 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 222 | $28K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 16 | $7K |
| Long-term disability(4 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 62 | $110K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 222 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.