| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC (MA) | 12 GILL STREET SUITE 5500 WOBURN, MA 01888 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | $14K | — | $14K | 1.36% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE, INC DBA ZENEFITS FTW IN | DEPT LA 24402 PASADENA, CA 911854402 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | $13K | — | $13K | 1.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC (VA) | NEW ENGLAND REGION PO BOX 62937 VIRGINIA BEACH, VA 23466 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | — | $7K | $7K | 0.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 ATTN NEW ENGLAND VIRGINIA BEACH, VA 23466 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL | $3K | — | $3K | 2.57% |
| PARKER ROUSE CONRAD3 | 303 2ND STREET SUITE 401 SAN FRANCISCO, CA 94117 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL | $2K | — | $2K | 1.64% |
| YOURPEOPLE, INC.3 | 303 2ND STREET SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL | $782 | $160 | $942 | 0.91% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.55% |
| ZENEFITS3 | DEPT LA 24402 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.09% |
| ZENEFITS3 | DEPT LA 24402 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.91% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $583 | — | $583 | 6.76% |
| ZENEFITS3 | DEPT LA 24402 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $494 | — | $494 | 5.73% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $146 | — | $146 | 6.78% |
| ZENEFITS3 | DEPT LA 24402 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $124 | — | $124 | 5.76% |
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 | 234 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | 165 | $1.1M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL | 185 | $103K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $9K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $40K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 229 | $30K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.