| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIELD EDDY, INC.3 | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | HEALTH NEW ENGLAND, INC. | $53K | — | $53K | 3.37% |
| FIELD EDDY, INC.3 | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 2.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | DELTA DENTAL OF MA | $5K | — | $5K | 3.52% |
| FIELD EDDY, INC.3 | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.78% |
| FIELD EDDY, INC.3 | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.24% |
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 | 267 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NEW ENGLAND, INC. | 159 | $1.9M |
| Dental | DELTA DENTAL OF MA | 267 | $138K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $72K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.