| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOLEY CONNELLY BENEFITS GROUP3 | 37 ELM STREET WEST SPRINGFIELD, MA 01089 | SUN LIFE ASSURANCE COMPANY OF CANADA | $888 | — | $888 | 7.98% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP L | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | SUN LIFE ASSURANCE COMPANY OF CANADA | $570 | — | $570 | 5.12% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 8 NORTH KING STREET NORTHAMPTON, MA 01060 | SUN LIFE ASSURANCE COMPANY OF CANADA | $327 | — | $327 | 2.94% |
| FOLEY CONNELLY BENEFITS GROUP3 | 37 ELM STREET SUITE 1205 WEST SPRINGFIELD, MA 01089 | GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 19.52% |
| WEBER AND GRINNELL EMPLOYEE B3 | 8 NORTH KING STREET NORTHAMPTON, MA 01060 | GUARDIAN LIFE INSURANCE COMPANY | $261 | — | $261 | 4.68% |
| CFS HARTFORD LLC3 | 197 SCOTT SWAMP ROAD FARMINGTON, MA 06032 | GUARDIAN LIFE INSURANCE COMPANY | $16 | — | $16 | 0.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KARA ADAMITES BROWN PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 595 SOUTHAMPTON ROAD WESTFIELD, MA 01085 | $58K |
| LAPIER DILLON AND ASSOCIATES PC EIN 32-0048525 AUDITORS | Accounting (including auditing) Service code 10 | — | $21K |
| NANCY GOP ADMINISTRATIVE ASSISTANT | Employee (plan) Service code 30 | 595 SOUTHAMPTON ROAD WESTFIELD, MA 01085 | $17K |
| VINCENT ROSSI ADM. EDUCATION | Employee (plan) Service code 30 | 595 SOUTHAMPTON ROAD WESTFIELD, MA 01085 | $12K |
| SEGAL ROTIMAN COUNSEL | Insurance agents and brokers Service code 22 | 333 HARRISON AVENUE SUITE7 BOSTON, MA 02111 | $6K |
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 | 31 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 31 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND INC. | 31 | $463K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 21 | $6K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 21 | $6K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 89 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89 | — |
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.