| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOYSCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | TUFTS HEALTH PLAN | $32K | $168 | $32K | 1.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | TUFTS HEALTH PLAN | $407 | $6K | $6K | 0.38% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | DELTA DENTAL | $2K | — | $2K | 2.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL | $1K | — | $1K | 1.25% |
| CAROL JACQUES3 | 2311 CANYON RIDGE DRIVE BROAD BROOK, CT 06016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $160 | $3K | 4.18% |
| THEODORE W. ZIENCINA3 Filed as: THEODORE W ZIENCINA & OTHER AGENTS | 75 LENOX CIR EAST LONGMEADOW, MA 01028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $49 | $1K | 2.06% |
| AME C EKSTROM3 | 150 CANTERBURY WAY WEST SPRINGFIELD, MA 01089 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $876 | $0 | $876 | 1.44% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $290 | $145 | $435 | 0.72% |
| LORI ANN MARTINEZ3 | 11 MONUMENT DRIVE OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $268 | $420 | 0.69% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $403 | $3 | $406 | 0.67% |
| BRIAN STEBBINS3 | 1707 NORTHAMPTON STREET, 1ST FLOOR HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $330 | $67 | $397 | 0.65% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS HEALTH PLAN | 210 | $1.7M |
| Dental | DELTA DENTAL | 146 | $93K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 193 | $62K |
| Prescription drug | TUFTS HEALTH PLAN | 210 | $1.7M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 58 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.