| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | — | TUFTS HEALTH PLAN | $19K | — | $19K | 2.19% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC. | — | TUFTS HEALTH PLAN | $3K | — | $3K | 0.36% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.27% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC. | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.72% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF CONNECTICUT | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.65% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $871 | — | $871 | 2.28% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF CONNECTICUT | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.97% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $924 | — | $924 | 3.50% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF CONNECTICUT | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.67% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $512 | — | $512 | 3.33% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $499 | — | $499 | 6.83% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC. | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $179 | — | $179 | 2.45% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF CONNECTICUT | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $156 | — | $156 | 2.14% |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS HEALTH PLAN | 135 | $881K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $68K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 99 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.