| 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 | $15K | $21K | $36K | 2.22% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG INC | $17K | — | $17K | 1.05% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | DELTA DENTAL OF MASSACHUSETTS | $3K | — | $3K | 1.90% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | DELTA DENTAL OF MASSACHUSETTS | $99 | — | $99 | 0.06% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.09% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.92% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.19% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | STANDARD INSURANCE COMPANY | $894 | — | $894 | 1.81% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.83% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | STANDARD INSURANCE COMPANY | $716 | — | $716 | 2.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $5K | — | $5K | 25.00% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | VISION SERVICE PLAN | $566 | — | $566 | 6.00% |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG INC | 227 | $1.6M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 290 | $175K |
| Vision | VISION SERVICE PLAN | 98 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 156 | $49K |
| Short-term disability | STANDARD INSURANCE COMPANY | 156 | $34K |
| Long-term disability | STANDARD INSURANCE COMPANY | 156 | $66K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 156 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.