| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SOLUTIONS, INC.3 | 5 MOUNT ROYAL AVE SUITE 250 MARLBOROUGH, MA 01752 | FALLON COMMUNITY HEALTH PLAN INC | $127K | — | $127K | 1.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 144 TURPIKE ROAD STE 330 SOUTHBOROUGH, MA 01772 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 3.31% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC | 144 TURPIKE ROAD STE 330 SOUTHBOROUGH, MA 01772 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 1.43% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | DBA SULLIVAN BENEFITS 5 MOUNT ROYAL AVE STE 250 MARLBOROUGH, MA 01752 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 0.79% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE120 MARLBOROUGH, MA 01752 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 11.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MASSACHUSETTS EIN 04-6143185 CLAIMS PROCESSOR | Claims processing Service code 12 | 465 MEDFORD STREET BOSTON, MA 02129 | $97K |
| DONALD P. GASKELL INSURANCE BROKER | Insurance agents and brokers Service code 22 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | $23K |
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 | 1,171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | FALLON COMMUNITY HEALTH PLAN INC | 1,898 | $12.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 890 | $41K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,181 | $502K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,181 | $502K |
| Prescription drug(3 contracts, 2 carriers) | FALLON COMMUNITY HEALTH PLAN INC | 1,898 | $12.7M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,181 | $502K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,898 | — |
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.