| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: INSURANCE CENTER OF NEW ENGLAND | 1070 SUFFIELD STREET PO BOX 1230 AGAWAM, MA 010012931 | HEALTH NEW ENGLAND, INC. | $72K | $0 | $72K | 4.00% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: INSURANCE CENTER OF NEW ENGLAND | 1070 SUFFIELD STREET PO BOX 1230 AGAWAM, MA 010012931 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LLC | 1070 SUFFIELD STREET PO BOX 1230 AGAWAM, MA 010012931 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $234 | $0 | $234 | 0.52% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: INSURANCE CENTER OF NEW ENGLAND | 1070 SUFFIELD STREET PO BOX 1230 AGAWAM, MA 010012931 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LLC | 1070 SUFFIELD STREET PO BOX 1230 AGAWAM, MA 010012931 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $295 | $0 | $295 | 2.04% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: INSURANCE CENTER OF NEW ENGLAND INC | 1070 SUFFIELD STREET PO BOX 1230 AGAWAM, MA 010016230 | VISION SERVICE PLAN | $877 | $0 | $877 | 6.85% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: INSURANCE CENTER OF NEW ENGLAND | 1070 SUFFIELD STREET PO BOX 1230 AGAWAM, MA 010012931 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $537 | $3K | 27.79% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 111 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $10K |
| Vision | VISION SERVICE PLAN | 86 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $14K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $45K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.