| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $38K | $21K | $58K | 2.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MASSACHUSETTS | $6K | $0 | $6K | 3.93% |
| JAMES W. MOORADIAN3 Filed as: JAMES W MOORADIAN | 277 DARTMOUTH ST 4TH FL BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.35% |
| WILLIAM J FARRELL3 | 61 HIGHLAND AVE NEEDHAM, MA 02494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.35% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND LIFE PARTNERSHIP | GRAGG BUILDING 11225 NORTH COMMUNITY HOUSE ROAD CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $551 | $0 | $551 | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.52% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | 213 | $2.0M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 238 | $162K |
| Vision | VISION SERVICE PLAN | 105 | $29K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $100K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.