| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GAUDREAU GROUP INC INS AGENCY Filed as: GAUDREAU GROUP INC INSURANCE AGENCY | PO BOX 369 WILBRAHAM, MA 01095 | HEALTH NEW ENGLAND | $53K | — | $53K | 3.31% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62937 VIRGINIA BEACH, VA 23466 | DELTA DENTAL | $6K | $2K | $8K | 4.18% |
| USI INSURANCE SERVICES LLC3 | 711 E MAIN STREET, SUITE 201 CHICOPEE, MA 01020 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 3.20% |
| THE GAUDREAU GROUP INC INS AGENCY3 Filed as: GAUDREAU GROUP INC INSURANCE AGENCY | PO BOX 369 WILBRAHAM, MA 01095 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 2.61% |
| USI INSURANCE SERVICES LLC3 | 711 E MAIN STREET, SUITE 201 CHICOPEE, MA 01020 | UNUM LIFE INSURANCE CO OF AMERICA | $6K | — | $6K | 14.73% |
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 | 336 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND | 150 | $1.6M |
| Dental | DELTA DENTAL | 336 | $183K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $119K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $119K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.