| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS PROVIDERS INC | 799 CAMBRIDGE ST CAMBRIDGE, MA 021411428 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $36K | $12K | $48K | 3.07% |
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS PROVIDERS INC | 799 CAMBRIDGE ST CAMBRIDGE, MA 021411428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $573 | $3K | 12.02% |
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS PROVIDERS INC | 799 CAMBRIDGE ST CAMBRIDGE, MA 021411428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $485 | $4K | 15.12% |
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS PROVIDERS INC | 31 CONSTITUTION AVENUE ABINGTON, MA 02351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 13.45% |
| GEORGE POURIA3 | 22 SANBORN TERRACE AMESBURY, MA 01913 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $61 | $2K | 7.07% |
| KRISTEN V LESSARD3 | P O BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $520 | $514 | $1K | 4.37% |
| ELITE ADMINISTRATION & OTHER AGENTS3 Filed as: ELITE AMINISTRATION | 193 SCHLAFER RD. BAINBRIDGE, NY 13733 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $373 | $188 | $561 | 2.37% |
| BRIAN LESSARD3 | P O BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $365 | $3 | $368 | 1.55% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | $21 | $154 | 0.65% |
| BRAD BIEL3 | 1050 WALL STREET WEST NEW YORK, NY 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $89 | $115 | 0.49% |
| DB INSURANCE INC3 | 10 PEACH TREE LANE DANVERS, MA 01923 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $20 | $36 | 0.15% |
| GIANNI RICHIO3 | 18 RICKER CIRCLE SOUTH HAMILTON, MA 01982 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $3 | $21 | 0.09% |
| THE WORKSIGHT GROUP LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $9 | $15 | 0.06% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.06% |
| ROBERT W. HALLOCK3 Filed as: ROBERT MCGOWAN | 1 OLD SALEM CIRCLE SHREWSBURY, MA 01545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| CHRISTINE GORDON3 | 73 WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS PROVIDERS INC | 799 CAMBRIDGE ST CAMBRIDGE, MA 021411428 | EYE MED | $1K | — | $1K | 9.93% |
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS PROVIDERS INC | 799 CAMBRIDGE ST CAMBRIDGE, MA 021411428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $252 | $2K | 11.89% |
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 | 268 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 144 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 144 | $1.6M |
| Vision | EYE MED | 268 | $15K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 172 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $24K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.