| 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 MAINTENANCE ORG., INC. | $35K | $20K | $54K | 3.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MASSACHUSETTS, INC. | $5K | $52 | $5K | 3.38% |
| MOORADIAN, JAMES, W3 Filed as: MOORADIAN, JAMES W | 277 DARTMOUTH ST 4TH FL BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.16% |
| FARRELL, WILLIAM J3 | 61 HIGHLAND AVE NEEDHAM, MA 02494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.16% |
| 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 | — | $424 | $424 | 0.42% |
| SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $263 | $4K | 14.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | VISION SERVICE PLAN | $1K | — | $1K | 4.90% |
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 | 124 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 197 | $1.5M |
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. | 233 | $152K |
| Vision | VISION SERVICE PLAN | 100 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $101K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $101K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 197 | $1.5M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 34 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.