| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE MERIDEN, CT 064504893 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $104 | $3K | 1.82% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP INC | 119 DRUM HILL ROAD CHELMSFORD, MA 01824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 7.61% |
| JENNIFER GERVASIO3 Filed as: JENNIFER J GERVASIO | PO BOX 19808 JOHNSTON, RI 02919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $29 | $5K | 6.81% |
| J KING INSURANCE INC3 | 50 MAIN ST STE 200 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 5.17% |
| LAURIE SEUBERT3 | 50 MAIN ST STE 200 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $313 | $2K | 2.14% |
| CHRISTOPHER IHLEFELD3 | 116 BARTLETT DR WARWICK, RI 02886 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $861 | $119 | $980 | 1.34% |
| KIMBERLY CATHERINE ST. ONGE3 | 13 CAROL LANE NARRAGANSETT, RI 02882 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.17% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP INC | 119 DRUM HILL ROAD CHELMSFORD, MA 01824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 7.92% |
| JENNIFER GERVASIO3 Filed as: JENNIFER J GERVASIO | PO BOX 19808 JOHNSTON, RI 02919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $33 | $5K | 7.57% |
| J KING INSURANCE INC3 | 50 MAIN ST STE 200 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 5.42% |
| LAURIE SEUBERT3 | 50 MAIN ST STE 200 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $335 | $2K | 2.22% |
| CHRISTOPHER IHLEFELD3 | 116 BARTLETT DR WARWICK, RI 02886 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $739 | $102 | $841 | 1.17% |
| KIMBERLY CATHERINE ST. ONGE3 | 13 CAROL LANE NARRAGANSETT, RI 02882 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.14% |
| APGLOBAL DBA PWB3 | 225 WOOD STREET HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $639 | — | $639 | 1.79% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP INC. | 119 DRUM HILL ROAD - SUITE 194 CHELMSFORD, MA 01824 | TRUSTMARK INSURANCE COMPANY | $479 | — | $479 | 1.35% |
| JENNIFER GERVASIO3 | 203 BUNGY ROAD NORTH SCITUATE, RI 02857 | TRUSTMARK INSURANCE COMPANY | $253 | — | $253 | 0.71% |
| APGLOBAL DBA PWB3 | 225 WOOD STEET HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 6.80% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP INC. | 119 DRUM HILL ROAD - SUITE 194 CHELMSFORD, MA 01824 | TRUSTMARK INSURANCE COMPANY | $630 | — | $630 | 3.39% |
| JENNIFER GERVASIO3 | 203 BUNGY ROAD NORTH SCITUATE, RI 02857 | TRUSTMARK INSURANCE COMPANY | $208 | — | $208 | 1.12% |
| JENNIFER GERVASIO3 Filed as: JENNIFER J GERVASIO | 203 BUNGY RD SCITUATE, RI 02857 | SUN LIFE ASSURANCE COMPANY OF CANADA | $175 | — | $175 | 4.41% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP INC | 119 DRUM HILL RD STE 194 CHELMSFORD, MA 01824 | SUN LIFE ASSURANCE COMPANY OF CANADA | $175 | — | $175 | 4.41% |
| APGLOBAL DBA PWB3 | 225 WOOD STREET HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $129 | — | $129 | 8.39% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP INC. | 119 DRUM HILL ROAD - SUITE 194 CHELMSFORD, MA 01824 | TRUSTMARK INSURANCE COMPANY | $55 | — | $55 | 3.58% |
| N/A | — | PROGRESSIVE BENEFIT SOLUTIONS, LLC | — | — | $0 | — |
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 | 1,014 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,017 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 806 | $189K |
| Dental | STANDARD INSURANCE COMPANY | 478 | $289K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 598 | $33K |
| Life insurance(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 928 | $185K |
| Short-term disability(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 108 | $147K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 97 | $3K |
| Other(3 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 928 | $23K |
| 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."
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.