| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN AGAWAM, NE 01001 | HEALTH NEW ENGLAND, INC. | $9K | $0 | $9K | 4.03% |
| WEBBER & GRINNELL EMPLOYEE BENEFITS3 | 8 NORTH KING STREET NORTHAMPTON, MA 01060 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 12.77% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | PO BOX 5086 OXNARD, CA 93031 | SUN LIFE ASSURANCE COMPANY OF CANADA | $534 | $0 | $534 | 4.72% |
| LIDAC EMPLOYEE BENEFIT SOLUTIONS3 Filed as: LIDAC EMPLOYEE BNFTS SOLUTIONS, LLC | 1010 NORTHERN BOULEVARD SUITE 324 GREAT NECK, NY 11021 | SUN LIFE ASSURANCE COMPANY OF CANADA | $55 | $0 | $55 | 0.49% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 98 LOWER WESTFIELD ROAD HOLYOKE, MA 01040 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $674 | $0 | $674 | 18.53% |
| WEBBER & GRINNELL EMPLOYEE BENEFITS3 | 98 LOWER WESTFIELD ROAD, SUITE 301 HOLYOKE, MA 01040 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $417 | $0 | $417 | 11.47% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.27% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 28 | $223K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 25 | $11K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 25 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $4K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 28 | $223K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.