| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 711 EAST MAIN STREET, SUITE 201 CHICOPEE, MA 01020 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $22K | $10K | $32K | 3.93% |
| THE GAUDREAU GROUP INC.3 | UNKNOWN SPRINGFIELD, MA 01101 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $5K | $0 | $5K | 0.67% |
| USI INSURANCE SERVICES LLC3 | 711 EAST MAIN STREET, SUITE 201 CHICOPEE, MA 01020 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 5.29% |
| 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 | $2K | $0 | $2K | 1.48% |
| USI INSURANCE SERVICES LLC3 | 711 EAST MAIN STREET, SUITE 201 CHICOPEE, MA 01020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $9 | $2K | 7.16% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $644 | $144 | $788 | 2.82% |
| THE GAUDREAU GROUP INC.3 | PO BOX 369 WILBRAHAM, MA 01095 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $630 | $0 | $630 | 2.26% |
| STEPHEN QUITADAMO3 | 3 KELLY STREET AUBURN, MA 01501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $298 | $67 | $365 | 1.31% |
| LISA M AMBRUSON3 Filed as: LISA M. AMBRUSON | PO BOX 1222 WARREN, MA 01083 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $312 | $17 | $329 | 1.18% |
| EDWARD H SPATER3 Filed as: EDWARD H. SPATER | PO BOX 351 EAST BROOKFIELD, MA 01515 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $255 | $28 | $283 | 1.01% |
| WENDY S FRIREE TAFT3 Filed as: WENDY S. FRIREE TAFT | PO BOX 1024 ERLIN, MA 01503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $97 | $6 | $103 | 0.37% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $540 | $0 | $540 | 7.11% |
| THE GAUDREAU GROUP INC INS AGENCY3 Filed as: THE GAUDREAU GROUP, INC. INS AGENCY | 2377 BOSTON ROAD WILBRAHAM, MA 01095 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $450 | $0 | $450 | 5.92% |
| USI INSURANCE SERVICES LLC3 | 2377 BOSTON POST ROAD WILBRHAM, MA 01095 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $381 | $0 | $381 | 5.02% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 199 | $817K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 100 | $156K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 125 | $8K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 100 | $156K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 100 | $156K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 100 | $156K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 199 | $817K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 100 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.