| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMMACK HEALTH LLC3 | P.O. BOX 419587 BOSTON, MA 02241 | TUFTS HEALTH FREEDOM INSURANCE | $68K | — | $68K | 2.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- BOSTON | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $9K | 7.47% |
| COMBINED SERVICES LLC3 | 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $164 | — | $164 | 0.14% |
| CAMMACK HEALTH LLC3 Filed as: CHARLES W CAMMACK ASSOCIATES | 2 RECTOR ST SUITE 2300 NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52 | — | $52 | 0.05% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE SUITE 301 CONCORD, NH 03301 | COMPANION LIFE | $16K | $5 | $16K | 22.03% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE STE 301 CONCORD, NH 03301 | COMPANION LIFE | $4K | $5 | $4K | 14.81% |
| COMBINED SERVICES LLC3 | 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | COMPANION LIFE | $2K | $5 | $2K | 22.55% |
| COMBINED SERVICES LLC3 | 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | COMPANION LIFE | $528 | $5 | $533 | 13.80% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS HEALTH FREEDOM INSURANCE | 356 | $3.3M |
| Vision | RED TREE INSURANCE COMPANY, INC. | 554 | $23K |
| Life insurance(4 contracts) | COMPANION LIFE | 193 | $112K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $115K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $115K |
| Other(4 contracts) | COMPANION LIFE | 193 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.