| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | TUFTS INSURANCE COMPANY | $16K | — | $16K | 1.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | TUFTS INSURANCE COMPANY | — | $8K | $8K | 0.72% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $14K | — | $14K | 1.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | — | $6K | $6K | 0.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | DELTA DENTAL OF MASSACHUSETTS | $4K | — | $4K | 3.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 12.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 100 RIALTO PLACE SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $260 | $260 | 0.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | EYEMED VISION ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | $835 | — | $835 | 10.82% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 111 | $1.8M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 186 | $106K |
| Vision | EYEMED VISION ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | 129 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 124 | $71K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 124 | $71K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 111 | $1.8M |
| Other | HARTFORD LIFE AND ACCIDENT | 124 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.