| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVO BENEFITS GROUP | — | TUFTS HEALTH PLAN | $29K | $3K | $33K | 2.94% |
| INNOVO BENEFITS GROUP | — | DELTA DENTAL OF MA | $4K | — | $4K | 4.34% |
| INNOVO BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 16.57% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $422 | $422 | 1.20% |
| INNOVO BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 15.86% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $301 | $301 | 1.22% |
| INNOVO BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 22.13% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $209 | $209 | 1.48% |
| INNOVO BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $781 | $2K | 15.98% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $163 | $163 | 1.25% |
| INNOVO BENEFITS GROUP | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $818 | — | $818 | 9.82% |
| INNOVO BENEFITS GROUP | — | GUARDIAN | $1K | — | $1K | 16.39% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS HEALTH PLAN | 136 | $1.1M |
| Dental | DELTA DENTAL OF MA | 153 | $89K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 81 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $35K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.