| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVO BENEFITS GROUP | — | TUFTS HEALTH PLAN | $30K | — | $30K | 2.95% |
| INNOVO BENEFITS GROUP | — | DELTA DENTAL OF MA | $4K | — | $4K | 4.26% |
| INNOVO BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.67% |
| INNOVO BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $931 | $931 | 3.02% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $333 | $333 | 1.08% |
| INNOVO BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| INNOVO BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $661 | $661 | 3.09% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $236 | $236 | 1.10% |
| INNOVO BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| INNOVO BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $616 | $616 | 3.69% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $220 | $220 | 1.32% |
| INNOVO BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| INNOVO BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $360 | $360 | 3.11% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $128 | $128 | 1.11% |
| INNOVO BENEFITS GROUP | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $948 | — | $948 | 11.67% |
| INNOVO BENEFITS GROUP | — | GUARDIAN | $1K | — | $1K | 16.19% |
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 | 165 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS HEALTH PLAN | 149 | $1.0M |
| Dental | DELTA DENTAL OF MA | 165 | $92K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 124 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $31K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 44 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.