| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAUDREAU GROUP INS AGENCY3 Filed as: THE GAUDREAU GROUP INS AGENCY | 2377 BOSTON ROAD PO BOX 36 WILBRAHAM, MA 01095 | EXPRESS SCRIPTS, INC. | $6K | — | $6K | 2.96% |
| THE GAUDREAU GROUP INC INS AGENCY Filed as: GAUDREAU GROUP INC INSURANCE CO | PO BOX 369 WILBRAHAM, MA 01095 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NICHOLAS LAPIER CPA PC EIN 32-0048525 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $70K |
| ELAINE LAFLEUR PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 32 STEVENS ST SPRINGFIELD, MA 01104 | $46K |
| THE GAUDREAU GROUP EIN 04-2224848 HEALTH CARE CONSULTANT | Consulting fees; Consulting (general); Direct payment from the plan Service code 16 | — | $39K |
| KRAKOW SOURIS & LANDRY LLC EIN 04-3363718 ATTORNEYS | Legal; Direct payment from the plan Service code 29 | — | $20K |
| CBIZ SAVITZ EIN 26-1371674 ACTUARY | Direct payment from the plan; Actuarial Service code 11 | — | $8K |
| BCBS OF MASSACHUSETTS EIN 04-1045815 198056 | Other fees; Contract Administrator; Direct payment from the plan Service code 13 | — | $0 |
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 | 304 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 856 | $0 |
| Other(2 contracts, 2 carriers) | EXPRESS SCRIPTS, INC. | 700 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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.