| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SENTINEL INSURANCE AGENCY, INC.3 | 100 QUANNAPOWIT PKWY SUITE 300 WAKEFIELD, MA 01880 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $74 | — | $74 | 0.03% |
| THE HARR INS AGCY INC3 | 100 GOLD STAR BLVD WORCESTER, MA 01606 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 4.73% |
| KONCZESKI, CHRISTINA3 | 648 SOUTH ST APT 2 ROSLINDALE, MA 02131 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 3.55% |
| KINCH, SONYA3 | 470 PLEASANT ST NORWOOD, MA 02062 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 3.55% |
| MCWALTER VOLUNTEER BENEFITS GROUP3 | 30 MONUMNET SQ CONCORD, MA 017421858 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $12 | $2K | 5.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST STE 800 WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $154 | $3K | 13.29% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | 159 | $274K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 148 | $42K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE | 149 | $51K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE | 149 | $51K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE | 149 | $73K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | 159 | $223K |
| Other | AMERICAN HERITAGE LIFE INSURANCE | 149 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.