| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREYLOCK INSURANCE AGENCY3 | 5 CHESHIRE ROAD SUITE 26 PITTSFIELD, MA 01201 | HEALTH NEW ENGLAND, INC. | $97K | — | $97K | 3.75% |
| GREYLOCK INSURANCE AGENCY3 | 5 CHESHIRE ROAD SUITE 26 PITTSFIELD, MA 01201 | BLUE CROSS BLUE SHIELD OF MASSACHUETTS, INC. | $8K | — | $8K | 2.85% |
| GREYLOCK INSURANCE AGENCY3 Filed as: GREYLOCK INSURANCE AGNECY | 5 CHESHIRE ROAD PITTSFIELD, MA 01201 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $19K | — | $19K | 11.89% |
| GREYLOCK INSURANCE AGENCY3 | 5 CHESHIRE ROAD SUITE 26 PITTSFIELD, MA 01201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $612 | — | $612 | 4.19% |
| MATTHEW MCARDLE3 | 19 GARY DRIVE HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $457 | $47 | $504 | 3.45% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON STREET HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $38 | $207 | 1.42% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $17 | $107 | 0.73% |
| DAVID L FLEURY3 Filed as: DAVID FLEURY | 545 SOUTH WATER STREET PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $4 | $81 | 0.55% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.14% |
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 | 258 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 208 | $2.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUETTS, INC. | 512 | $270K |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 258 | $177K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 258 | $163K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 258 | $163K |
| Other | BOSTON MUTUAL LIFE INSURANCE COMPANY | 258 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.