| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | $32K | $11K | $43K | 3.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MASSACHUSETTS, INC. | $5K | — | $5K | 4.31% |
| MOORADIAN, JAMES, W3 Filed as: MOORADIAN, JAMES W | 277 DARTMOUTH ST 4TH FL BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $344 | $4K | 3.97% |
| FARRELL, WILLIAM J3 | 61 HIGHLAND AVE NEEDHAM, MA 02494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.62% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND LIFE PARTNERSHIP | GRAGG BLDG 11225 NORTH COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $442 | $442 | 0.45% |
| THOMAS SCANLON3 | 121 ROLLING MEADOW DRIVE HOLLISTON, MA 01746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $343 | $3K | 10.12% |
| DANIEL R VERRICO3 | 266 WILSON STREET MARLBOROUGH, MA 01752 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.37% |
| BROKERS HOLDING GROUP3 Filed as: BROKERS PAID LESS THAN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $552 | $224 | $776 | 2.91% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $445 | $61 | $506 | 1.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | VISION SERVICE PLAN | $1K | — | $1K | 5.34% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | 197 | $1.4M |
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. | 228 | $111K |
| Vision | VISION SERVICE PLAN | 92 | $22K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $99K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $99K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | 197 | $1.4M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 34 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.