| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN SPRINGFIELD, MA 01103 | HEALTH NEW ENGLAND, INC. | $43K | $0 | $43K | 6.89% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: HUB NEW ENGLAND | UNKNOWN SPRINGFIELD, MA 01103 | RENAISSANCE | $3K | $0 | $3K | 13.30% |
| STANGLE & DENIGRIS3 Filed as: STANGLE AND DENIGRIS | UNKNOWN SPRINGFIELD, MA 01103 | RENAISSANCE | $794 | $0 | $794 | 3.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $926 | $336 | $1K | 17.71% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: HUB NEW ENGLAND | UNKNOWN SPRINGFIELD, MA 01103 | CHUBB | $2K | $0 | $2K | 209.35% |
| STANGLE & DENIGRIS3 Filed as: STANGLE AND DENIGRIS | UNKNOWN SPRINGFIELD, MA 01103 | CHUBB | $543 | $0 | $543 | 52.87% |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 50 | $1.4M |
| Life insurance | RENAISSANCE | 166 | $25K |
| Short-term disability | RENAISSANCE | 166 | $25K |
| Long-term disability(2 contracts, 2 carriers) | RENAISSANCE | 166 | $32K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 50 | $1.4M |
| Other(2 contracts, 2 carriers) | ESI EMPLOYEE ASSISTANCE GROUP | 269 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.