| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EFS INSURANCE AGENCY3 | PO BOX 485 EAST LONGMEADOW, MA 01028 | SUN LIFE ASSURANCE COMPANY OF CANADA | $541 | — | $541 | 5.41% |
| WEBBER & GRINNELL EMPLOYEE BENEFITS3 Filed as: WEBBER AND GRINNELL EMPLOY. BENEFIT | 8 N. KING STREET NORTHAMPTON, MA 01060 | SUN LIFE ASSURANCE COMPANY OF CANADA | $121 | — | $121 | 1.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KARA ADAMITES PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 55 MAIN STREET CHICOPEE, MA 01020 | $32K |
| NANCY GOP PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 55 MAIN STREET CHICOPEE, MA 01020 | $22K |
| NICHOLAS LAPIER CPA PC EIN 32-0058525 AUDITORS | Accounting (including auditing) Service code 10 | — | $13K |
| VINCENT ROSSI COORDINATOR | Employee (plan) Service code 30 | 55 MAIN STREET CHICOPEE, MA 01020 | $7K |
| MORGAN STANLEY CONSULTANTS | Trustee (individual) Service code 20 | 1500 MAIN STREET, 19TH FLOOR SPRINGFIELD, MA 01115 | $7K |
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 | 97 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 92 | $922K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 34 | $4K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $10K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $10K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.