| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAUDREAU GROUP INSURANCE AGENCY3 | UNKNOWN AMHERST, MA 01002 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $16K | $6K | $22K | 1.39% |
| USI INSURANCE SERVICES LLC | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $17K | $0 | $17K | 1.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MASSACHUSETTS, INC. D/B/A DELTA DENAL OF MA | $4K | $0 | $4K | 3.24% |
| THE GAUDREAU GROUP INC INS AGENCY3 Filed as: GAUDREAU GROUP INC. INS. AGENCY | PO BOX 369 WILBRAHAM, MA 01095 | DELTA DENTAL OF MASSACHUSETTS, INC. D/B/A DELTA DENAL OF MA | $1K | $0 | $1K | 1.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.22% |
| THE GAUDREAU GROUP INC.3 Filed as: GAUDREAU GROUP INC. | 2377 BOSTON ROAD WILBRAHAM, MA 01095 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $993 | $0 | $993 | 3.36% |
| THE GAUDREAU GROUP INC.3 Filed as: THE GAUDREAU GROUP | UNKNOWN AMHERST, MA 01002 | ESI EMPLOYEE ASSISTANCE GROUP | $226 | $0 | $226 | 5.01% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 226 | $1.6M |
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. D/B/A DELTA DENAL OF MA | 320 | $132K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 134 | $30K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 134 | $30K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 226 | $1.6M |
| Other(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 151 | $34K |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.