| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE MERIDEN, CT 064504893 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $104 | $2K | 0.71% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.36% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP INC | 119 DRUM HILL RD STE 194 CHELMSFORD, MA 01824 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.50% |
| JENNIFER GERVASIO3 Filed as: JENNIFER J GERVASIO | PO BOX 19808 JOHNSTON, RI 02919 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.50% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP INC | 119 DRUM HILL RD STE 194 CHELMSFORD, MA 01824 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| JENNIFER GERVASIO3 Filed as: JENNIFER J GERVASIO | PO BOX 19808 JOHNSTON, RI 02919 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP INC | 119 DRUM HILL ROAD CHELMSFORD, MA 01824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.17% |
| JENNIFER GERVASIO3 Filed as: JENNIFER J GERVASIO | PO BOX 19808 JOHNSTON, RI 02919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.62% |
| J KING INSURANCE INC3 | 50 MAIN ST STE 200 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $807 | $191 | $998 | 1.97% |
| LAURIE SEUBERT3 Filed as: LAURIE SEUBERT-LEMIRE | 5853 POST RD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $769 | $111 | $880 | 1.74% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP INC | 119 DRUM HILL ROAD CHELMSFORD, MA 01824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.83% |
| JENNIFER GERVASIO3 Filed as: JENNIFER J GERVASIO | PO BOX 19808 JOHNSTON, RI 02919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.74% |
| J KING INSURANCE INC3 | 50 MAIN ST STE 200 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $642 | $85 | $727 | 1.47% |
| LAURIE SEUBERT3 Filed as: LAURIE SEUBERT-LEMIRE | 5853 POST RD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $622 | $49 | $671 | 1.36% |
| KIMBERLY CATHERINE ST. ONGE3 | 13 CAROL LANE NARRAGANSETT, RI 02882 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $5 | $69 | 0.14% |
| AP GLOBAL INSURANCE SERVICES LLC3 Filed as: AP GLOBAL INSURANCE SERVICES, LLC | PO BOX 228 HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $523 | — | $523 | 1.64% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP INC | 119 DRUM HILL RD STE 194 CHELMSFORD, MA 01824 | TRUSTMARK INSURANCE COMPANY | $408 | — | $408 | 1.28% |
| JENNIFER GERVASIO3 | PO BOX 19808 JOHNSTON, RI 02919 | TRUSTMARK INSURANCE COMPANY | $210 | — | $210 | 0.66% |
| JENNIFER GERVASIO3 Filed as: JENNIFER J GERVASIO | PO BOX 19808 JOHNSTON, RI 02919 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $603 | — | $603 | 2.50% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP INC | 119 DRUM HILL RD STE 194 CHELMSFORD, MA 01824 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $603 | — | $603 | 2.50% |
| AP GLOBAL INSURANCE SERVICES LLC3 Filed as: AP GLOBAL INSURANCE SERVICES, LLC | PO BOX 228 HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 6.53% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP INC | 119 DRUM HILL RD STE 194 CHELMSFORD, MA 01824 | TRUSTMARK INSURANCE COMPANY | $511 | — | $511 | 3.30% |
| JENNIFER GERVASIO3 | PO BOX 19808 JOHNSTON, RI 02919 | TRUSTMARK INSURANCE COMPANY | $180 | — | $180 | 1.16% |
| CAVENEY INSURANCE GROUP3 Filed as: CAVENEY INSURANCE GROUP INC | 119 DRUM HILL RD STE 194 CHELMSFORD, MA 01824 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $510 | — | $510 | 7.50% |
| JENNIFER GERVASIO3 Filed as: JENNIFER J GERVASIO | PO BOX 19808 JOHNSTON, RI 02919 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $510 | — | $510 | 7.50% |
| 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 | 418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,827 | $335K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,827 | $335K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,827 | $335K |
| Life insurance(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 666 | $234K |
| Short-term disability(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 48 | $116K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $58K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 666 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,827 | — |
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.