| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GAUDREAU GROUP INC.3 | 2377 BOSTON ROAD WILBRAHAM, MA 01095 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $230K | $37K | $267K | 3.48% |
| THE GAUDREAU GROUP INC.3 | 2377 BOSTON ROAD WILBRAHAM, MA 01095 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $9K | — | $9K | 2.71% |
| THE GAUDREAU GROUP INC.3 | 2377 BOSTON ROAD WILBRAHAM, MA 01095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $0 | $19K | 10.00% |
| THE GAUDREAU GROUP INC.3 | 2377 BOSTON ROAD WILBRAHAM, MA 01095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $0 | $17K | 10.00% |
| THE GAUDREAU GROUP INC.3 | 2377 BOSTON ROAD WILBRAHAM, MA 01095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| CHP INSURANCE AGENCY LLC3 | 2077 ROOSEVELT AVENUE SPRINGFIELD, MA 01104 | AXIS INSURANCE COMPANY | $0 | — | $0 | — |
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 | 2,029 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,029 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 2,029 | $7.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1,210 | $323K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 828 | $191K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 674 | $165K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 2,029 | $7.7M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 694 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,029 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.