| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAUDREAU GROUP INC. INSURANCE AGENC3 | 711 EAST MAIN STREET SUITE 201 CHICOPEE, MA 01020 | TUFTS INSURANCE COMPANY | $26K | $6K | $32K | 1.97% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET SUITE 5500 WOBURN, MA 01888 | TUFTS INSURANCE COMPANY | $19K | — | $19K | 1.15% |
| GAUDREAU GROUP INC. INSURANCE AGENC3 | 711 EAST MAIN STREET SUITE 201 CHICOPEE, MA 01020 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $25K | $9K | $34K | 2.23% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET SUITE 5500 WOBURN, MA 01888 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $17K | — | $17K | 1.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $10K | $3K | $13K | 3.97% |
| K BENEFIT GROUP, INC.3 Filed as: K BENEFIT GROUP INC | 60 CLEARWATER CIRCLE LUDLOW, MA 01056 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 9.27% |
| USI INSURANCE SERVICES LLC3 | C/O USI INSURANCE SERVICES CHICOPEE, MA 01020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $596 | $6K | 24.92% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 16.25% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 12.72% |
| MATTHEW MCARDLE3 | 19 GARY DR HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $425 | $3K | 10.76% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $533 | $2K | 8.00% |
| KIMBERLY ANNE CUNNINGHAM3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $658 | $847 | $2K | 6.22% |
| KERRY PARSONS3 | 20 PEARSON RD. HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $897 | $453 | $1K | 5.58% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $656 | $53 | $709 | 2.93% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 292 | $3.1M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 656 | $326K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 279 | $121K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 279 | $121K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 316 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.