| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 016081435 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET WORCESTER, MA 01608 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $143 | $5K | 7.32% |
| DONNA ROSE BURRITT3 | 458 MAIN ST UNIT 124 FISKDALE, MA 01518 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $184 | $2K | 2.25% |
| RICHARD HASKINS3 | PO BOX 362 MILLBURY, MA 01527 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $43 | $1K | 1.64% |
| EDWARD H SPATER3 | PO BOX 351 EAST BROOKFIELD, MA 01515 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $966 | $0 | $966 | 1.33% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LN GOSHEN, KY 40026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $580 | $182 | $762 | 1.05% |
| LAURIE SEUBERT3 Filed as: LAURIE SEUBERT-LEMIRE | 5853 POST RD EAST GREENWICH, RI 22818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $439 | $141 | $580 | 0.80% |
| DIGIAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $578 | $0 | $578 | 0.79% |
| J KING INSURANCE INC3 | THE ENROLLMENT NETWORK EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $302 | $169 | $471 | 0.65% |
| STEPHEN QUITADAMO3 | 3 KELLY ST AUBURN, MA 01501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $414 | $0 | $414 | 0.57% |
| ALEXANDER JEFFREY SEUBERT3 | 480 ATLANTIC AVE WARWICK, RI 02888 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $105 | $3 | $108 | 0.15% |
| BRIAN STEBBINS3 | 1707 NORTHAMPTON ST FL 1 HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $100 | $0 | $100 | 0.14% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LN NORTH KINGSTOWN LN, RI 02852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $87 | $0 | $87 | 0.12% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD STE LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $49 | $13 | $62 | 0.09% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.07% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.02% |
| HARRY LORE3 | 4 GLANFORD XING MEDFORD, NJ 08055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| JEFF M NEWMAN3 | 1007 E SHORE DR UNIT B BRIGANTINE, NJ 08203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | BOSTON, M 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $680 | $0 | $680 | 8.61% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 139 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 240 | $92K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 118 | $8K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 240 | $165K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 240 | $165K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 240 | $92K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 50 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.