| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN GREENFIELD, MA 01310 | HEALTH NEW ENGLAND, INC. | $0 | $56K | $56K | 3.81% |
| RUSH INSURANCE GROUP, INC.3 Filed as: RUSH INSURANCE GROUP | UNKNOWN CHICOPEE, MA 01020 | ALTUS DENTAL INSURANCE COMPANY, INC. | $4K | $0 | $4K | 6.02% |
| HNE INSURANCE SERVICES3 | ONE MONARCH PLACE SPRINGFIELD, MA 01144 | ALTUS DENTAL INSURANCE COMPANY, INC. | $2K | $0 | $2K | 3.00% |
| RUSH INSURANCE GROUP, INC.3 | PO BOX 59 CHICOPEE, MA 01021 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $868 | $0 | $868 | 12.19% |
| RUSH INSURANCE GROUP, INC.3 | PO BOX 59 CHICOPEE, MA 01021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $741 | $0 | $741 | 14.99% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 105 | $1.5M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 192 | $74K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 179 | $7K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 162 | $5K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 105 | $1.5M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 162 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.