| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOSTON COMMONWEALTH ADVANTAGE LLC3 Filed as: BOSTON COMMONWEALTH ADVANTAGE | 11 ELKINS STREET SUITE 450 BOSTON, MA 02127 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC | $36K | — | $36K | 1.08% |
| PARTNERS INSURANCE SERVICES3 Filed as: PARTNERS INSURANCE GROUP LLC | 560 WILBUR AVENUE SWANSEA, MA 02777 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC | $8K | — | $8K | 0.23% |
| BOSTON COMMONWEALTH ADVANTAGE LLC3 Filed as: BOSTON COMMONWEALTH ADVANTAGE | 11 ELKINS STREET SUITE 450 BOSTON, MA 02127 | TUFTS INSURANCE COMPANY | $589 | — | $589 | 0.87% |
| PARTNERS INSURANCE SERVICES3 Filed as: PARTNERS INSURANCE GROUP LLC | 560 WILBUR AVENUE SWANSEA, MA 02777 | TUFTS INSURANCE COMPANY | $137 | — | $137 | 0.20% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS INSURANCE COMPANY | 6 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.