| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74135 | SYMETRA LIFE INSURANCE COMPANY | $0 | $56K | $56K | 2.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | SYMETRA LIFE INSURANCE COMPANY | $45K | $0 | $45K | 2.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | SYMETRA LIFE INSURANCE COMPANY | -$6K | $0 | -$6K | -0.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | UNKNOWN BLUE BELL, PA 19348 | SIRIUS AMERICA INSURANCE COMPANY | $12K | $0 | $12K | 3.49% |
| PERRYVILLE MARKETING ASSOCIATES LLC3 Filed as: PERRYVILLE MARKETING ASSOCIATES INC | PO BOX 171 REHOBETH, MA 02769 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.67% |
| THOMAS HETZEL3 | 45 PARTRIDGE WAY NORTH EASTON, MA 02356 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $852 | $0 | $852 | 2.09% |
| CHRISTINE GORDON3 | 123B WARREN AVENUE PLYMOUTH, MA 02360 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $313 | $0 | $313 | 0.77% |
| MICHAEL S OBERLANDER3 Filed as: MICHAEL S. OBERLANDER | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $194 | $0 | $194 | 0.48% |
| MJ INSURANCE3 Filed as: JANET RUTH NICKERSON AND OTHERS | 1835 CAMDEN AVENUE LOS ANGELES, CA 90025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $162 | $0 | $162 | 0.40% |
| DB INSURANCE INC3 Filed as: DB INSURANCE, INC. | 23 FRANKLIN STREET SALEM, MA 01970 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $73 | $0 | $73 | 0.18% |
| BSK BENEFITS PLUS LLC3 Filed as: BSK BENEFITS PLUS. LLC | 205 PINECREST DRIVE COVINGTON, LA 70433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $66 | $0 | $66 | 0.16% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | HARTFORD LIFE AND ACCIDENT | $544 | $0 | $544 | 5.00% |
| CATHLEEN A. DESROSIERS3 | 232 BEAR SWAMP ROAD ANDOVER, CT 06232 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $233 | $4 | $237 | 2.95% |
| MARK E. ZALESKI3 | 1145 NORTH RIVER ROAD COVENTRY, CT 06238 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $163 | $0 | $163 | 2.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.92% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LTD. | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $4 | $65 | 0.81% |
| JEFFREY SPICOLA3 | 65 AVONWOOD ROAD, APARTMENT B6 AVON, CT 06001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $49 | $4 | $53 | 0.66% |
| PHYLLIS DUNN3 Filed as: PHYLLIS DUNN AND OTHER AGENTS | 14 NUHFER DRIVE COLUMBIA, CT 06237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.57% |
| FLEURY ENTERPRISES INC3 Filed as: FLEURY ENTERPRISES, INC. | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.39% |
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 | 18,524 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 18,524 | $2.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 20,310 | $8.3M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 18,524 | $2.0M |
| Short-term disability(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 18,524 | $2.1M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 18,524 | $2.0M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 273 | $2.5M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 18,524 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,310 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.