| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONE MONARCH PLACE3 | SUITE 1500 SPRINGFIELD, MA 01144 | HEALTH NEW ENGLAND, INC. | $54K | $0 | $54K | 2.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LLC | 600 LONGWATER DRIVE NORWELL, MA 02061 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 12.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 NORTH LASALLE STREET, FLOOR 20 CHICAGO, IL 60601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $113 | $113 | 0.13% |
| BRAIN STEBBINS3 | 1707 NORTHAMPTON STREET, FLOOR 1 HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 5.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $48 | $3K | 4.80% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $23 | $2K | 3.14% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $732 | $122 | $854 | 1.51% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LIMITED | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $443 | $282 | $725 | 1.28% |
| PATRICK WILLIAM DOWLING3 Filed as: PATRICK W DOWLING & OTHER AGENTS | 12 LINDA STREET SOUTH HADLEY, MA 01075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $665 | $0 | $665 | 1.18% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN CHICOPEE, MA 01020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $464 | $0 | $464 | 0.82% |
| BROAN STEBBINS3 | 1707 NORTHAMPTON STREET, FLOOR 1 HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $679 | $71 | $750 | 2.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $575 | $3 | $578 | 1.87% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $463 | $2 | $465 | 1.50% |
| CHRISTINE P O'HARE3 Filed as: CHRISTINE P O'HARE AND OTHER AGENTS | 153 TOPA CIRCLE CHICOPEE, MA 01020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $365 | $0 | $365 | 1.18% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN CHICOPEE, MA 01020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $293 | $0 | $293 | 0.95% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $257 | $9 | $266 | 0.86% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LIMITED | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $141 | $21 | $162 | 0.52% |
| BRAIN STEBBINS3 | 1707 NORTHAMPTON STREET, FLOOR 1 HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $417 | $190 | $607 | 5.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $534 | $9 | $543 | 4.75% |
| DAVID MCGEARY3 | 87 BLUEBEERY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $373 | $5 | $378 | 3.30% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $145 | $26 | $171 | 1.49% |
| PATRICK WILLIAM DOWLING3 | 12 LINDA STREET SOUTH HADLEY, MA 01075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $167 | $0 | $167 | 1.46% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LIMITED | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $83 | $59 | $142 | 1.24% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN CHICOPEE, MA 01020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $0 | $76 | 0.66% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN CHICOPEE, MA 01020 | COLONIAL LIFE INSURANCE COMPANY | $872 | $0 | $872 | 7.62% |
| BRAIN STEBBINS3 | 1707 NORTHAMPTON STREET, FLOOR 1 HOLYOKE, MA 01040 | COLONIAL LIFE INSURANCE COMPANY | $336 | $167 | $503 | 4.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE INSURANCE COMPANY | $443 | $8 | $451 | 3.94% |
| DAVID MCGEARY3 | 87 BLUEBEERY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE INSURANCE COMPANY | $272 | $4 | $276 | 2.41% |
| CAROL JACQUES3 Filed as: CAROL JACQUES AND OTHER AGENTS | 2311 CANYON RIDGE DRIVE BROAD BROOK, CT 06016 | COLONIAL LIFE INSURANCE COMPANY | $156 | $0 | $156 | 1.36% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE INSURANCE COMPANY | $116 | $21 | $137 | 1.20% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LIMITED | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE INSURANCE COMPANY | $70 | $50 | $120 | 1.05% |
| BRAIN STEBBINS3 | 1707 NORTHAMPTON STREET, FLOOR 1 HOLYOKE, MA 01040 | COLONIAL LIFE INSURANCE COMPANY | $854 | $824 | $2K | 26.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE INSURANCE COMPANY | $1K | $36 | $1K | 22.67% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE INSURANCE COMPANY | $1K | $20 | $1K | 16.38% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LIMITED | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE INSURANCE COMPANY | $179 | $244 | $423 | 6.64% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE INSURANCE COMPANY | $274 | $107 | $381 | 5.98% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN CHICOPEE, MA 01020 | COLONIAL LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.06% |
| STEPHEN QUITADAMO3 | 3 KELLY STREET AUBURN, MA 01501 | COLONIAL LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
| BRIAN STEBBINS3 | 1707 NORTHAMPTON STREET, FLOOR 1 HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $188 | $148 | $336 | 12.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $304 | $7 | $311 | 11.24% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $199 | $4 | $203 | 7.34% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LIMITED | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $46 | $89 | 3.22% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $20 | $87 | 3.15% |
| MATTHEW MCARDLE3 | 19 GARY DRIVE HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS LLC AND OTHER AGENTS | UNKNOWN CHICOPEE, MA 01020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE INSURANCE COMPANY | $19 | $0 | $19 | 1.97% |
| BRAIN STEBBINS3 | 1707 NORTHAMPTON STREET, FLOOR 1 HOLYOKE, MA 01040 | COLONIAL LIFE INSURANCE COMPANY | $12 | $0 | $12 | 1.24% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE INSURANCE COMPANY | $11 | $0 | $11 | 1.14% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.62% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LIMITED | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.62% |
| PATRICK WILLIAM DOWLING3 | 12 LINDA STREET SOUTH HADLEY, MA 01075 | COLONIAL LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.31% |
| BRIAN STEBBINS3 | 1707 NORTHAMPTON STREET, FLOOR 1 HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 3.53% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN CHICOPEE, MA 01020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 3.53% |
| RICHARD HASKINS3 Filed as: RICHARD HASKNS | PO BOX 362 MILLBURY, MA 01527 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.62% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.62% |
| BRAIN STEBBINS3 | 1707 NORTHAMPTON STREET, FLOOR 1 HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $43 | $87 | 34.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $2 | $66 | 25.98% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $1 | $43 | 16.93% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LIMITED | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $10 | $17 | 6.69% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $4 | $15 | 5.91% |
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 | 399 | 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) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 257 | $2.4M |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 399 | $145K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 399 | $86K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 257 | $2.4M |
| Other(8 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 399 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.