| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HARVARD PILGRIM HEALTH CARE | $55K | $23K | $78K | 1.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $54 | $6K | 2.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 BRIDGPOINT PARKWAY BUILDING 3, SUITE 500 AUSTIN, TX 78730 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 6.60% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $82 | $82 | 0.05% |
| BRIAN S DEMPSEY3 Filed as: BRIAN S. DEMPSEY | 60 BAILEY BOULEVARD, SUITE 1 HAVERHILL, MA 01830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 11.52% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS, LTD | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 9.54% |
| RYAN PATRICK DEMPSEY3 | 25 MARINA DRIVE HAVERHILL, MA 01830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $208 | $2K | 4.34% |
| MJ INSURANCE3 Filed as: ANDREA R HENCHEY AND VARIOUS AGENTS | 5 EDGEMERE BOULEVARD SHREWSBURY, MA 01545 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $113 | $0 | $113 | 0.21% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.08% |
| FLEURY ENTERPRISES INC3 Filed as: FLEURY ENTERPRISES, INC. | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.07% |
| KATHERINE E GREENE3 Filed as: KATHERINE E. GREENE | 153 WELLINGTON AVENUE, 1ST FLOOR CRANSTON, RI 02910 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.05% |
| BRIAN S DEMPSEY3 Filed as: BRIAN S. DEMPSEY | 60 BAILEY BOULEVARD, SUITE 1 HAVERHILL, MA 01830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 10.86% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS, LTD | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 8.98% |
| RYAN PATRICK DEMPSEY3 | 25 MARINA DRIVE HAVERHILL, MA 01830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $171 | $2K | 4.12% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $111 | $0 | $111 | 0.23% |
| FLEURY ENTERPRISES INC3 Filed as: FLEURY ENTER. INC. AND OTHER AGENTS | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $0 | $90 | 0.18% |
| KENDRA LYNN MORRIS3 | 11 PAINE STREET NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $86 | $0 | $86 | 0.18% |
| CARLEIGH GORDON3 | 135 SKUNK HILL ROAD EXETER, RI 02822 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 9.84% |
| BRIAN S DEMPSEY3 Filed as: BRIAN S. DEMPSEY | 60 BAILEY BOULEVARD, SUITE 1 HAVERHILL, MA 01830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 12.48% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS, LTD | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 10.60% |
| RYAN PATRICK DEMPSEY3 | 25 MARINA DRIVE HAVERHILL, MA 01830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $164 | $2K | 4.90% |
| MJ INSURANCE3 Filed as: LORI A. MARTINEZ AND VARIOUS AGENTS | 11 MONUMENT DRIVE OXFORD, MA 01540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.16% |
| FLEURY ENTERPRISES INC3 Filed as: FLEURY ENTERPRISES, INC. | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.09% |
| KATHERINE E GREENE3 Filed as: KATHERINE E. GREENE | 153 WELLINGTON AVENUE, 1ST FLOOR CRANSTON, RI 02910 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.06% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.05% |
| BRIAN S DEMPSEY3 Filed as: BRIAN S. DEMPSEY | 60 BAILEY BOULEVARD, SUITE 1 HAVERHILL, MA 01830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 16.71% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS, LTD | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 14.42% |
| RYAN PATRICK DEMPSEY3 | 25 MARINA DRIVE HAVERHILL, MA 01830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $144 | $2K | 7.17% |
| KENDRA LYNN MORRIS3 | 11 PAINE STREET NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $110 | $0 | $110 | 0.48% |
| JEFF M NEWMAN3 Filed as: JEFF M. NEWMAN | 1007 EAST SHORE DRIVE, SUITE B BRIGANTINE, NJ 08203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.08% |
| MARY-JOYCE LICATA3 Filed as: MARY-JOYCE LICATA AND OTHER AGENTS | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| HARRY LORE3 | 4 GLANFORD XING MEDFORD, NJ 08055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| BRIAN S DEMPSEY3 Filed as: BRIAN S. DEMPSEY | 60 BAILEY BOULEVARD, SUITE 1 HAVERHILL, MA 01830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 8.93% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS, LTD | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $522 | $439 | $961 | 8.37% |
| RYAN PATRICK DEMPSEY3 | 25 MARINA DRIVE HAVERHILL, RI 01830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $343 | $34 | $377 | 3.28% |
| KATHERINE E GREENE3 Filed as: KATHERINE GREENE AND OTHER AGENTS | 153 WELLINGTON AVENUE, 1ST FLOOR CRANSTON, RI 02910 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $103 | $0 | $103 | 0.90% |
| RICHARD HASKINS3 Filed as: RICHARD HASKINGS | PO BOX 362 MILLBURY, MA 01527 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $95 | $0 | $95 | 0.83% |
| STEPHEN QUITADAMO3 | 3 KELLY STREET AUBURN, MA 01501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.24% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.24% |
| BRIAN S DEMPSEY3 Filed as: BRIAN S. DEMPSEY | 60 BAILEY BOULEVARD, SUITE 1 HAVERHILL, MA 01830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | $0 | $123 | 4.15% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS, LTD | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 2.16% |
| KENDRA LYNN MORRIS3 | PO BOX 320 SLATERSVILLE, RI 02876 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.34% |
| THOMAS SCANLON3 | 121 ROLLING MEADOW DRIVE HOLLISTON, MA 01746 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.30% |
| RYAN PATRICK DEMPSEY3 | 25 MARINA DRIVE HAVERHILL, MA 01830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.14% |
| FLEURY ENTERPRISES INC3 Filed as: FLEURY ENTERPRISES, INC. | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.14% |
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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 566 | $4.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 557 | $273K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 425 | $44K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 382 | $150K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 382 | $150K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 566 | $4.2M |
| Other(7 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 382 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.