| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREYLOCK INSURANCE AGENCY3 | 5 CHESHIRE ROAD SUITE 26 PITTSFIELD, MA 01201 | HEALTH NEW ENGLAND, INC. | $59K | — | $59K | 2.93% |
| GREYLOCK INSURANCE AGENCY3 | 5 CHESHIRE ROAD SUITE 26 PITTSFIELD, MA 01201 | BLUE CROSS BLUE SHIELD OF MASSACHUETTS, INC. | $7K | — | $7K | 3.00% |
| GREYLOCK INSURANCE AGENCY3 Filed as: GREYLOCK INSURANCE AGNECY | 5 CHESHIRE ROAD PITTSFIELD, MA 01201 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $18K | — | $18K | 11.42% |
| GREYLOCK INSURANCE AGENCY3 | 5 CHESHIRE ROAD SUITE 26 PITTSFIELD, MA 01201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $676 | — | $676 | 4.68% |
| MATTHEW MCARDLE3 | 19 GARY DRIVE HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $419 | $14 | $433 | 3.00% |
| BRIAN STEBBINS3 | 150 LOWER WESTFIELD ROAD HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $26 | $217 | 1.50% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $25 | $109 | 0.75% |
| DAVID L FLEURY3 Filed as: DAVID FLEURY | 545 SOUTH MAIN STREET PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $17 | $104 | 0.72% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.17% |
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 | 237 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 209 | $2.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUETTS, INC. | 509 | $245K |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 237 | $168K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 237 | $154K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 237 | $154K |
| Other | BOSTON MUTUAL LIFE INSURANCE COMPANY | 237 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.