| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 01073 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $69K | $35K | $104K | 2.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 01073 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $11K | $6K | $16K | 2.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | $2K | $22K | 5.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 01073 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $4K | $2K | $6K | 2.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $5K | $16K | 13.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $3K | $11K | 13.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 01073 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $306 | $183 | $489 | 2.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $757 | $297 | $1K | 13.91% |
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 | 436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 439 | $5.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 367 | $395K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 436 | $117K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 432 | $77K |
| Other(3 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 436 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.