| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | SYMETRA LIFE INSURANCE COMPANY | $60K | $63K | $123K | 5.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 1393 VETERANS HIGHWAY, SUITE 210N HAUPPAUGE, NY 11788 | SYMETRA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 0.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | UNKNOWN WARRINGTON, PA 18976 | SIRIUS AMERICA INSURANCE COMPANY | $12K | $0 | $12K | 1.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | UNKNOWN BLUE BELL, PA 19422 | SIRIUS AMERICA INSURANCE COMPANY | $4K | $0 | $4K | 0.63% |
| PERRYVILLE MARKETING ASSOCIATES LLC3 | PO BOX 171 REHOBETH, MA 02769 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.22% |
| CATHLEEN A. DESROSIERS3 | 232 BEAR SWAMP ROAD ANDOVER, CT 06232 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $401 | $5 | $406 | 0.65% |
| CHRISTINE GORDON3 | 123B WARREN AVENUE PLYMOUTH, MA 02356 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $362 | $0 | $362 | 0.58% |
| MARK E. ZALESKI3 Filed as: MARK E/ ZALESKI | 1145 NORTH RIVER ROAD COVENTRY, CT 06238 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $355 | $1 | $356 | 0.57% |
| THOMAS HETZEL3 | 45 PARTIDGE WAY NORTH EASTON, MA 02356 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $311 | $0 | $311 | 0.50% |
| MICHAEL S OBERLANDER3 Filed as: MICHAEL S. OBERLANDER | PO BOX 171 REHOBETH, MA 02769 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $231 | $0 | $231 | 0.37% |
| MJ INSURANCE3 Filed as: JANET R. NICKERSON AND OTHER AGENTS | 1835 CAMDEN AVENUE LOS ANGELES, CA 90025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $180 | $0 | $180 | 0.29% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $5 | $103 | 0.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $93 | $0 | $93 | 0.15% |
| DB INSURANCE INC3 | 23 FRANKLIN STREET SALEM, MA 01970 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $0 | $90 | 0.14% |
| THOMAS E KIENZLER3 Filed as: THOMAS E. KIENZLER | 359 WASHINGTON ROAD ENFIELD, CT 06082 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 0.12% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DRIVE COVINGTON, LA 70433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $0 | $70 | 0.11% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.08% |
| PHYLLIS DUNN3 | 14 NUHFER DRIVE COLUMBIA, CT 06237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | HARTFORD LIFE AND ACCIDENT | $513 | $0 | $513 | 5.00% |
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 | 16,392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 305 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 1,056 | $3.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2 | $15K |
| Vision | AETNA LIFE INSURANCE COMPANY | 2 | $15K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 20,445 | $2.2M |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 40 | $62K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 20,445 | $2.2M |
| Prescription drug(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 312 | $2.6M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 25,603 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,603 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.