| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEBBER & GRINNELL EMPLOYEE BENEFITS | 8 NORTH KING ST, SUITE 1 NORTHAMPTON, MA 01060 | UNIMERICA INSURANCE COMPANY | $21K | — | $21K | 5.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CARLEY GUILBERT CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 168 CHICOPEE STREET CHICOPEE, MA 01014 | $79K |
| KRAKOW SOURIS & LANDRY ATTORNEY | Legal Service code 29 | 225 FRIEND STREET BOSTON, MA 02214 | $11K |
| NICHOLAS LAPIER CPA PC AUDITOR | Accounting (including auditing) Service code 10 | 71 PARK AVENUE WEST SPRINGFIELD, MA 01089 | $8K |
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 | 312 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF MASSACHUSETTS | 1,123 | $0 |
| Dental | DELTA DENTAL OF MA | 819 | $0 |
| Other | UNIMERICA INSURANCE COMPANY | 327 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,123 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.