| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $43K | $0 | $43K | 1.66% |
| USI INSURANCE SERVICES LLC3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $6K | $0 | $6K | 3.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 12.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | CN1011 190 RIVER RD SUMMIT, NJ 07901 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $320 | $0 | $320 | 0.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | CN1011 190 RIVER RD SUMMIT, NJ 07901 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $273 | $0 | $273 | 0.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $2K | $0 | $2K | 9.88% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $658 | $3K | 12.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | CN1011 190 RIVER RD SUMMIT, NJ 07901 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $166 | $0 | $166 | 0.69% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $256 | $5K | 21.26% |
| GEORGE POURIA3 | 22 SANBORN TERRACE AMESBURY, MA 01913 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $104 | $1K | 6.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 180 PARK AVE 1ST FL FLORHAM PARK, NJ 07932 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $899 | $0 | $899 | 4.12% |
| GIANNI RICHIO3 | 18 RICKER CIRCLE SOUTH HAMILTON, MA 01982 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $717 | $9 | $726 | 3.33% |
| COMPREHENSIVE INSURANCE PROVIDERS3 | 799 CAMBRIDGE ST CAMBRIDGE, MA 02141 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $526 | $0 | $526 | 2.41% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE 1ST FL FLORHAM PARK, NJ 07932 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $518 | $0 | $518 | 2.37% |
| DB INSURANCE INC3 | 23 FRANKLIN ST SALEM, MA 01970 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $198 | $83 | $281 | 1.29% |
| BRIAN LESSARD3 | PO BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.27% |
| MCNEIL VOLUNTARY BENEFITS GROUP3 | 9 ACORN CIRCLE MEDFIELD, MA 02052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $18 | $37 | 0.17% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 0.16% |
| KRISTEN V LESSARD3 | PO BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.16% |
| THE WORKSIGHT GROUP LLC3 | 6 ELM ST UNIT 5 MADISON, NJ 07940 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $5 | $17 | 0.08% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.07% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| CHRISTINE GORDON3 | 73 WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| JAMES MOORADIAN3 | 277 DARTMOUTH ST BOSTON, MA 02116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| ENROLLMENT SOLUTIONS LTD3 | 85 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| CHRIS M. ALLEN3 Filed as: CHRIS M ALLEN | 20 PARK PLAZA BOSTON, MA 02116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| BRYAN LAMBERT3 | 20 PARK PLAZA 4TH FL BOSTON, MA 02116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 502 | $2.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 482 | $212K |
| Vision | EYEMED VISION CARE | 397 | $25K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $40K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.