| 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. | $28K | $24K | $52K | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MASSACHUSETTS | $6K | $888 | $7K | 4.71% |
| JAMES W. MOORADIAN3 Filed as: JAMES W MOORADIAN | 6 HIGHLAND ROAD CHARLESTOWN, RI 02813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $572 | $3K | 2.82% |
| WILLIAM J FARRELL3 | 61 HIGHLAND AVE NEEDHAM, MA 02494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $148 | $2K | 2.12% |
| 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 | — | $405 | $405 | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST STE 800 WORCESTER, MA 016081435 | VISION SERVICE PLAN | $704 | $0 | $704 | 2.56% |
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 | 130 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | 218 | $2.1M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 253 | $157K |
| Vision | VISION SERVICE PLAN | 106 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $117K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.