| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP, LLC | 4211 WEST BOYSCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | HPHC INSURANCE COMPANY | $33K | $6K | $40K | 2.20% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INS. AGY., INC. | 410 UNIVERSITY AVENUE WESTWOOD, MA 02090 | DENTAL SERVICES OF MASSACHUSETTS, INC. DBA DELTA DENTAL | $4K | — | $4K | 4.33% |
| CAROL JACQUES3 | 2311 CANYON RIDGE DRIVE BROAD BROOK, CT 06016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.59% |
| THEODORE W. ZIENCINA3 | 75 LENOX CIRCLE EAST LONGMEADOW, MA 01028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $39 | $1K | 2.41% |
| ARNE C EKSTROM3 Filed as: ARNE C. EKSTROM | 150 CANTERBURY WAY WEST SPRINGFIELD, MA 01089 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $823 | $0 | $823 | 1.56% |
| LORI ANN MARTINEZ3 | 11 MONUMENT DRIVE OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | $386 | $734 | 1.40% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LTD. | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $289 | $196 | $485 | 0.92% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $300 | $0 | $300 | 0.57% |
| BRAIN STEBBINS3 | 1707 NORTHAMPTON STREET, 1ST FLOOR HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | $0 | $263 | 0.50% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HPHC INSURANCE COMPANY | 230 | $1.8M |
| Dental | DENTAL SERVICES OF MASSACHUSETTS, INC. DBA DELTA DENTAL | 187 | $97K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 192 | $54K |
| Prescription drug | HPHC INSURANCE COMPANY | 230 | $1.8M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 52 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.