| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOWD FINANCIAL SERVICES3 Filed as: DOWD FINANCIAL SERVICES LLC | 14 BOBALA ROAD HOLYOKE, MA 010409402 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 3.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2 ENTERPRISE DRIVE, STE 204 SHELTON, CT 064844657 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 1.11% |
| AMWINS3 Filed as: LISI INC | 2 ENTERPRISE DRIVE, STE 204 SHELTON, CT 064844657 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $239 | $239 | 0.03% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC - CT | 5110 N 40TH STREET, STE 234 PHOENIX, AZ 850182151 | UNITEDHEALTHCARE INSURANCE COMPANY | -$105 | — | -$105 | -0.01% |
| DOWD FINANCIAL SERVICES3 Filed as: DOWD FINANCIAL SERVICES, LLC | 14 BOBALA RD HOLYOKE, MA 01040 | DELTA DENTAL OF MA | $2K | — | $2K | 4.84% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 106 | $784K |
| Dental | DELTA DENTAL OF MA | 137 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.