| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $47K | $0 | $47K | 1.58% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $7K | $0 | $7K | 3.10% |
| USI INSURANCE SERVICES LLC3 | NORTHEAST PO BOX 62939 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 19.26% |
| USI INSURANCE SERVICES LLC3 | NORTHEAST PO BOX 62939 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $4K | $7K | 22.04% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE 1ST FL FLORHAM PARK, NJ 07932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $8 | $4K | 11.76% |
| GEORGE POURIA3 | 22 SANBORN TERRACE AMESBURY, MA 01913 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $86 | $3K | 8.03% |
| GIANNI RICHIO3 | 18 RICKER CIRCLE SOUTH HAMILTON, MA 01982 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.62% |
| DB INSURANCE INC3 | 23 FRANKLIN STREET SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $451 | $208 | $659 | 2.09% |
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INSURANCE PROVIDERS I | 799 CAMBRIDGE ST CAMBRIDGE, MA 02141 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $368 | $0 | $368 | 1.17% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $73 | $187 | 0.59% |
| BRIAN LESSARD3 | PO BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.13% |
| KRISTEN V LESSARD3 | PO BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.10% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.07% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.03% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.03% |
| CHRISTINE GORDON3 | 123B WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $3K | $0 | $3K | 9.94% |
| USI INSURANCE SERVICES LLC3 | NORTHEAST PO BOX 62939 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $5K | 19.18% |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 528 | $3.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 490 | $210K |
| Vision | EYEMED VISION CARE | 413 | $26K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 307 | $56K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 307 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 307 | $41K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 307 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 528 | — |
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.