| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALEXANDER W. BORAWSKI, INC.3 Filed as: ALEXANDER W. BORAWSKI INC | 88 KING STREET STE B NORTHAMPTON, MA 01060 | HEALTH NEW ENGLAND | $36K | $5K | $40K | 3.05% |
| THE GAUDREAU GROUP INC INS AGENCY3 | 2377 BOSTON ROAD WILBRAHAM, MA 01095 | HEALTH NEW ENGLAND | $14K | $774 | $14K | 1.08% |
| ALEXANDER W. BORAWSKI, INC.3 Filed as: ALEXANDER W BORAWSKI INC. | 88 KING STREET NORTHAMPTON, MA 01060 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $6K | — | $6K | 7.89% |
| INDIGO INSURANCE SVC3 | 5TH FLOOR 446 MAIN STREET WORCESTER, MA 01608 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $6K | — | $6K | 7.00% |
| THE GAUDREAU GROUP INC INS AGENCY3 | 2377 BOSTON ROAD WILBRAHAM, MA 01095 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.63% |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND | 143 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.