| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GAUDREAU GROUP INC INS AGENCY3 | 2377 BOSTON ROAD P O BOX 369 WILBRAHAM, MA 01095 | FALLON HEALTH | $19K | — | $19K | 2.01% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | FALLON HEALTH | $9K | — | $9K | 0.96% |
| THE GAUDREAU GROUP INC INS AGENCY3 | PO BOX 369 WILBRAHAM, MA 01095 | ALTUS DENTAL INSURANCE COMPANY INC | $3K | — | $3K | 3.73% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | ALTUS DENTAL INSURANCE COMPANY INC | $2K | — | $2K | 1.93% |
| THE GAUDREAU GROUP INC INS AGENCY3 Filed as: GAUDREAU GROUP INC INS AGENCY | PO BOX 369 WILBRAHAM, MA 01095 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 8.75% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE, SUITE 2 GLASTONBURY, CT 06033 | HARTFORD LIFE AND ACCIDENT | $4K | $1K | $5K | 5.75% |
| THE GAUDREAU GROUP INC INS AGENCY3 | 2377 BOSTON ROAD P O BOX 369 WILBRAHAM, MA 01095 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $543 | — | $543 | 1.90% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $319 | — | $319 | 1.11% |
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 | 242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FALLON HEALTH | 203 | $961K |
| Dental | ALTUS DENTAL INSURANCE COMPANY INC | 232 | $90K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 242 | $83K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 242 | $83K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 242 | $83K |
| Other | HARTFORD LIFE AND ACCIDENT | 242 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.