| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG INC | $38K | — | $38K | 2.10% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | DELTA DENTAL OF MASSACHUSETTS | $6K | — | $6K | 3.27% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | STANDARD INSURANCE COMPANY | $5K | $576 | $5K | 7.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | BUILDING 2 SUITE 125 1250 CAPITAL OF TX HIGHWAY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.78% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | STANDARD INSURANCE COMPANY | $3K | $433 | $3K | 6.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | BUILDING 2 SUITE 125 1250 CAPITAL OF TX HIGHWAY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $891 | $891 | 1.75% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | STANDARD INSURANCE COMPANY | $2K | $298 | $3K | 7.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | BUILDING 2 SUITE 125 1250 CAPITAL OF TX HIGHWAY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $614 | $614 | 1.78% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | VISION SERVICE PLAN | $753 | — | $753 | 7.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| P&A GROUP EIN 16-1324521 FSA ADMINISTRATION | Contract Administrator Service code 13 | — | $8K |
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. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG INC | 248 | $1.8M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 300 | $176K |
| Vision | VISION SERVICE PLAN | 99 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 149 | $51K |
| Short-term disability | STANDARD INSURANCE COMPANY | 149 | $34K |
| Long-term disability | STANDARD INSURANCE COMPANY | 149 | $67K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 149 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
No prospect flags tripped on this filing.