| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GAUDREAU GROUP INC.3 Filed as: GAUDREAU GROUP INC | PO BOX 369 WILBRAHAM, MA 01095 | HEALTH NEW ENGLAND | $57K | $7K | $64K | 4.36% |
| THE GAUDREAU GROUP INC INS AGENCY3 Filed as: GAUDREAU GRP. INC. INS. AGCY. | ATTN DARYL GRABOWSKI P.O. BOX 369 WILBRAHAM, MA 01095 | DELTA DENTAL | $7K | — | $7K | 4.02% |
| THE GAUDREAU GROUP INC INS AGENCY3 Filed as: GAUDREAU GROUP INC IN | P.O. BOX 369 WILBRAHAM, MA 01095 | SUN LIFE & HEALTH INSURANCE CO (US) | $6K | — | $6K | 7.24% |
| THE GAUDREAU GROUP INC.3 Filed as: GAUDREAU GROUP INC | PO BOX 369 WILBRAHAM, MA 01095 | UNUM LIFE INSURANCE CO OF AMERICA | $7K | — | $7K | 15.14% |
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 | 375 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND | 170 | $1.5M |
| Dental | DELTA DENTAL | 375 | $171K |
| Life insurance | SUN LIFE & HEALTH INSURANCE CO (US) | 206 | $85K |
| Long-term disability | SUN LIFE & HEALTH INSURANCE CO (US) | 206 | $85K |
| Other(2 contracts, 2 carriers) | SUN LIFE & HEALTH INSURANCE CO (US) | 206 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.