| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT STRATEGY PARTNERS, LLC Filed as: BENEFIT STRATEGY PARTNERS | 100 CUMMINGS CNETER, SUITE 441P BEVERLY, MA 01915 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $27K | $0 | $27K | 1.89% |
| BENEFIT STRATEGY PARTNERS, LLC3 Filed as: BENEFIT STRATEGY PARTNERS | 100 CUMMINGS CENTER, SUITE 441P BEVERLY, MA 01915 | TUFTS HEALTH PLAN | $2K | $0 | $2K | 2.21% |
| BENEFIT STRATEGY PARTNERS, LLC3 | 100 CUMMINGS CENTER, SUITE 441P BEVERLY, MA 01915 | DELTA SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $4K | $0 | $4K | 4.29% |
| BENEFIT STRATEGY PARTNERS, LLC3 Filed as: BENEFIT STRATEGY PARTNERS | 100 CUMMINGS CENTER, SUITE 441P BEVERLY, MA 01915 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 12.66% |
| BENEFIT STRATEGY PARTNERS, LLC3 Filed as: BENEFIT STRATEGY PARTNERS | 100 CUMMINGS CENTER, SUITE 441P BEVERLY, MA 01915 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 14.76% |
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. | 139 | $1.5M |
| Dental | DELTA SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 148 | $97K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $80K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $80K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 139 | $1.5M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.