| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIELD EDDY, INC.3 | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | AETNA LIFE INSURANCE COMPANY | — | $86K | $86K | 3.66% |
| UNKNOWN3 | ONE MONARCH PLACE, SUITE 1500 SPRINGFIELD, MA 01144 | HEALTH NEW ENGLAND, INC. | $36K | — | $36K | 3.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.64% |
| FIELD EDDY, INC.3 | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $483 | $422 | $905 | 4.42% |
| BULFINCH GROUP INSURANCE AGENCY3 Filed as: BULFINCH GROUP INSURANCE AGENCY LLC | 160 GOULD STREET, SUITE 310 NEEDHAM, MA 02494 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.05% |
| MW FINANCIAL GROUP LTD3 | 197 SCOOT SWAMP ROAD FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.05% |
| BULFINCH GROUP INSURANCE AGENCY3 Filed as: BULFINCH GROUP INSURANCE AGENCY LLC | 140 KENDRICK STREET, SUITE C-1E NEEDHAM, MA 02494 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.02% |
| FIELD EDDY, INC.3 | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | SECURITY MUTUAL | $3K | — | $3K | 16.80% |
| STANGLE & DENIGRIS3 Filed as: STANGLE AND DENIGRIS | UNKNOWN SPRINGFIELD, MA 01102 | SECURITY MUTUAL | $1K | — | $1K | 7.03% |
| FIELD EDDY, INC.3 | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | CHUBB | $251 | — | $251 | 16.78% |
| STANGLE & DENIGRIS3 Filed as: STANGLE AND DENIGRIS | UNKNOWN SPRINGFIELD, MA 01102 | CHUBB | $105 | — | $105 | 7.02% |
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 | 521 | 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) | 521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 229 | $3.3M |
| Life insurance | SECURITY MUTUAL | 281 | $16K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 34 | $20K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 229 | $3.3M |
| Other(2 contracts, 2 carriers) | EMPLOYEE SERVICES, INC. | 521 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.