| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GAUDREAU GROUP INC INS AGENCY3 Filed as: THE GAUDREAU GROUP INC. INS | 2377 BOSTON ROAD WILBRAHAM, MA 01095 | FALLON HEALTH PLAN | $24K | $0 | $24K | 2.52% |
| THE GAUDREAU GROUP INC INS AGENCY3 Filed as: GAUDREAU GROUP INC. INS AGCY | PO BOX 369 WILBRAHAM, MA 01095 | ALTUS DENTAL INSURANCE COMPANY, INC | $5K | $0 | $5K | 5.73% |
| THE GAUDREAU GROUP INC INS AGENCY3 Filed as: GAUDREAU GROUP INC. INS AGCY | PO BOX 369 WILBRAHAM, MA 01095 | HARTFORD LIFE AND ACCIDENT | $9K | $0 | $9K | 12.75% |
| THE GAUDREAU GROUP INC INS AGENCY3 Filed as: GAUDREAU GROUP INC. INS AGCY | 2377 BOSTON ROAD WILBRAHAM, MA 01095 | FALLON HEALTH PLAN | $555 | $0 | $555 | 2.48% |
| THE GAUDREAU GROUP INC INS AGENCY3 Filed as: GAUDREAU GROUP INC. INS AGCY | PO BOX 369 WILBRAHAM, MA 01095 | EYEMED | $709 | $0 | $709 | 9.80% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | FALLON HEALTH PLAN | 197 | $970K |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC | 215 | $87K |
| Vision | EYEMED | 118 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 102 | $69K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 102 | $69K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 102 | $69K |
| Other | HARTFORD LIFE AND ACCIDENT | 102 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
No prospect flags tripped on this filing.