| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIELD EDDY, INC.3 | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | AETNA LIFE INSURANCE COMPANY | — | $83K | $83K | 3.61% |
| UNKNOWN3 | ONE MONARCH PLACE, SUITE 1500 SORINGFIELD, MA 01144 | HEALTH NEW ENGLAND, INC. | $36K | — | $36K | 4.07% |
| FIELD EDDY, INC.3 | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 18.07% |
| MW FINANCIAL GROUP LTD3 | 197 SCOOT SWAMP ROAD FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $54 | — | $54 | 0.26% |
| FIELD EDDY, INC.3 | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | SECURITY MUTUAL | $3K | — | $3K | 14.78% |
| STANGLE & DENIGRIS3 Filed as: STANGLE AND DENIGRIS | UNKNOWN SPRINGFIELD, MA 01102 | SECURITY MUTUAL | $432 | — | $432 | 2.54% |
| FIELD EDDY, INC.3 | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | CHUBB | $228 | — | $228 | 14.76% |
| STANGLE & DENIGRIS3 Filed as: STANGLE AND DENIGRIS | UNKNOWN SPRINGFIELD, MA 01102 | CHUBB | $39 | — | $39 | 2.52% |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 264 | $3.2M |
| Life insurance | SECURITY MUTUAL | 252 | $17K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 40 | $21K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 264 | $3.2M |
| Other(2 contracts, 2 carriers) | EMPLOYEE SERVICES, INC. | 536 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.