| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREYLOCK INSURANCE AGENCY3 | 5 CHESHIRE ROAD SUITE 26 PITTSFIELD, MA 01201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $60K | — | $60K | 2.23% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC DBA HAYS COMPANI | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 0.76% |
| GREYLOCK INSURANCE AGENCY3 | 5 CHESHIRE ROAD SUITE 26 PITTSFIELD, MA 01201 | BLUE CROSS BLUE SHIELD OF MASSACHUETTS, INC. | $6K | — | $6K | 2.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 333 ELM ST #300 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUETTS, INC. | $921 | — | $921 | 0.33% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. DBA HAYS COMPA | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF MASSACHUETTS, INC. | $453 | — | $453 | 0.16% |
| GREYLOCK INSURANCE AGENCY3 Filed as: GREYLOCK INSURANCE AGNECY | 5 CHESHIRE ROAD PITTSFIELD, MA 01201 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $15K | — | $15K | 8.63% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC DBA HAYS COMPANI | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.03% |
| GREYLOCK INSURANCE AGENCY3 | 5 CHESHIRE ROAD SUITE 26 PITTSFIELD, MA 01201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $413 | — | $413 | 3.32% |
| MATTHEW MCARDLE3 | 19 GARY DRIVE HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | $1 | $229 | 1.84% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON STREET HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | $1 | $120 | 0.96% |
| DAVID L FLEURY3 Filed as: DAVID FLEURY | 162 INDIAN POINT RD. TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.47% |
| KERRY PARSONS3 | 20 PEARSON RD. HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.43% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 207 | $2.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUETTS, INC. | 240 | $275K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 207 | $2.7M |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 269 | $184K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 269 | $171K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 269 | $171K |
| Other(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 269 | $184K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.