| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIELD EDDY, INC.3 Filed as: FIELD EDDY INC. | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | AETNA LIFE INSURANCE COMPANY | $31K | $2K | $33K | 4.25% |
| UNKNOWN3 | UNKNOWN SPRINGFIELD, MA 01103 | HEALTH NEW ENGLAND, INC. | $17K | $0 | $17K | 3.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $814 | $175 | $989 | 15.80% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: HUB NEW ENGLAND | UNKNOWN SPRINGFIELD, MA 01103 | RENAISSANCE | $2K | $0 | $2K | 44.96% |
| STANGLE & DENIGRIS3 | UNKNOWN SPRINGFIELD, MA 01103 | RENAISSANCE | $405 | $0 | $405 | 11.04% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: HUB NEW ENGLAND | UNKNOWN SPRINGFIELD, MA 01103 | CHUBB | $2K | $0 | $2K | 194.74% |
| STANGLE & DENIGRIS3 | UNKNOWN SPRINGFIELD, MA 01103 | CHUBB | $384 | $0 | $384 | 49.23% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 65 | $1.2M |
| Life insurance | RENAISSANCE | 438 | $4K |
| Short-term disability | RENAISSANCE | 438 | $4K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 438 | $10K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 65 | $1.2M |
| Other(2 contracts, 2 carriers) | ESI EMPLOYEE ASSISTANCE GROUP | 438 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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."
No prospect flags tripped on this filing.