| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01888 | TUFTS INSURANCE COMPANY | $49K | $0 | $49K | 2.98% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01888 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $37K | $0 | $37K | 3.02% |
| K BENEFIT GROUP, INC.3 Filed as: K BENEFIT GROUP INC. | 15 CALLENDER AVENUE EAST LONGMEADOW, MA 01028 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 10.60% |
| USI INSURANCE SERVICES LLC3 | 711 EAST MAIN STREET, SUITE 201 CHICOPEE, MA 01020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $62 | $4K | 10.72% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON STREET HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 6.39% |
| MATTHEW MCARDLE3 | 19 GARY DRIVE HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $11 | $2K | 4.72% |
| FLEURY ENTERPRISES INC3 Filed as: FLEURY ENTERPRISES INC. | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $209 | $1K | 3.27% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $743 | $402 | $1K | 2.76% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $805 | $85 | $890 | 2.15% |
| MJ INSURANCE3 Filed as: DAVID MCGEARY AND VARIOUS AGENTS | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $781 | $58 | $839 | 2.03% |
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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 320 | $2.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 264 | $110K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 264 | $110K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 320 | $2.9M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 320 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.