| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN GREENFIELD, MA 01310 | HEALTH NEW ENGLAND | $37K | $0 | $37K | 3.17% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: RUSH INSURNCE GROUP, INC. | 637 GRATTAN STREET CHICOPEE, MA 01020 | ALTUS DENTAL INSURANCE COMPANY, INC. | $5K | $0 | $5K | 5.90% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: RUSH INSURNCE GROUP, INC. | 637 GRATTAN STREET CHICOPEE, MA 01020 | SYMETRA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.95% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES, LLC | 1 ENTERPRISE DRIVE, 3RD FLOOR QUINCY, MA 02171 | SYMETRA LIFE INSURANCE COMPANY | $893 | $0 | $893 | 4.98% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: RUSH INSURNCE GROUP, INC. | PO BOX 59 CHICOPEE, MA 01021 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $901 | $0 | $901 | 9.19% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND | 111 | $1.2M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 203 | $79K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 189 | $10K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 208 | $18K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 208 | $18K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 208 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.