| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE MERIDEN, CT 064504893 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 1.74% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST FL 24 CINCINNATI, OH 452022701 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $877 | $877 | 0.55% |
| JENNIFER GERVASIO3 Filed as: JENNIFER J GERVASIO | PO BOX 19808 JOHNSTON, RI 02919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $9K | $23K | 28.63% |
| J KING INSURANCE INC3 | 50 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $14K | $23K | 27.51% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP INC | 119 DRUM HILL ROAD CHELMSFORD, MA 01824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $264 | $17K | 20.61% |
| CHRISTOPHER IHLEFELD3 | 116 BARTLETT DRIVE WARWICK, RI 02886 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 7.29% |
| LAURIE SEUBERT3 | 50 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 6.57% |
| JENNIFER GERVASIO3 Filed as: JENNIFER J GERVASIO | PO BOX 19808 JOHNSTON, RI 02919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $8K | $22K | 29.76% |
| J KING INSURANCE INC3 | 50 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $12K | $20K | 27.57% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP INC | 119 DRUM HILL ROAD CHELMSFORD, MA 01824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $235 | $15K | 20.69% |
| CHRISTOPHER IHLEFELD3 | 116 BARTLETT DRIVE WARWICK, RI 02886 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 6.79% |
| LAURIE SEUBERT3 | 50 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 6.62% |
| JENNIFER GERVASIO3 Filed as: JENNIFER J GERVASIO | 203 BUNGY RD SCITUATE, RI 02857 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.68% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP INC | 119 DRUM HILL RD STE 194 CHELMSFORD, MA 01824 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.68% |
| APGLOBAL DBA PWB3 Filed as: APGLOBAL | DBA PLATINUM WORKSITE BENEFITS 225 WOOD ST HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $567 | — | $567 | 1.17% |
| CAVENEY INSURANCE GROUP3 | 119 DRUM HILL RD - SUITE 194 CHELMSFORD, MA 01824 | TRUSTMARK INSURANCE COMPANY | $555 | — | $555 | 1.15% |
| JENNIFER GERVASIO3 | PO BOX 19808 JOHNSTON, RI 02919 | TRUSTMARK INSURANCE COMPANY | $274 | — | $274 | 0.57% |
| PLATINUM WORKSITE BENEFITS3 | 2 WESCOTT DRIVE HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $208 | — | $208 | 0.43% |
| JENNIFER GERVASIO3 Filed as: JENNIFER J GERVASIO | 203 BUNGY RD SCITUATE, RI 02857 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 7.94% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP INC | 119 DRUM HILL RD STE 194 CHELMSFORD, MA 01824 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 7.94% |
| APGLOBAL DBA PWB3 Filed as: APGLOBAL | DBA PLATINUM WORKSITE BENEFITS 225 WOOD ST HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 4.97% |
| CAVENEY INSURANCE GROUP3 | 119 DRUM HILL RD - SUITE 194 CHELMSFORD, MA 01824 | TRUSTMARK INSURANCE COMPANY | $688 | — | $688 | 3.31% |
| PLATINUM WORKSITE BENEFITS3 | 2 WESCOTT DRIVE HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $355 | — | $355 | 1.71% |
| JENNIFER GERVASIO3 | PO BOX 19808 JOHNSTON, RI 02919 | TRUSTMARK INSURANCE COMPANY | $218 | — | $218 | 1.05% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP, INC. | 119 DRUM HILL ROAD SUITE 194 CHELMSFORD, MA 01824 | CONTINENTAL AMERICAN INSURANCE COMPANY | $384 | — | $384 | 5.34% |
| JENNIFER GERVASIO3 Filed as: JENNIFER J GERVASIO | 203 BUNGY ROAD N. SCITUATE, RI 02857 | CONTINENTAL AMERICAN INSURANCE COMPANY | $298 | — | $298 | 4.14% |
| DAVID J MCCLELLAN3 Filed as: DAVID SCOTT HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.33% |
| BRANDON RICHARD ROYCE3 | 96 FARRINGTON AVE WRENTHAM, MA 020931187 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.07% |
| STEVEN R KARAS3 Filed as: STEVEN ROBERT KARAS | 222 WARD ST NEWTON CENTRE, MA 024591329 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| APGLOBAL DBA PWB3 Filed as: APGLOBAL | DBA PLATINUM WORKSITE BENEFITS 225 WOOD ST HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $100 | — | $100 | 6.15% |
| CAVENEY INSURANCE GROUP3 | 119 DRUM HILL RD - SUITE 194 CHELMSFORD, MA 01824 | TRUSTMARK INSURANCE COMPANY | $49 | — | $49 | 3.01% |
| PLATINUM WORKSITE BENEFITS3 | 2 WESCOTT DRIVE HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $15 | — | $15 | 0.92% |
| N/A | — | PROGRESSIVE BENEFIT SOLUTIONS, LLC | — | $50 | $50 | — |
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 | 1,048 | 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) | 1,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 707 | $158K |
| Dental | STANDARD INSURANCE COMPANY | 477 | $268K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 640 | $30K |
| Life insurance(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 928 | $255K |
| Short-term disability(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 167 | $164K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 102 | $39K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 928 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 928 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.