| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSIGHT INSURANCE AGENCY LLC3 Filed as: INSIGHT INSURANCE AGENCY | 185 CENTRE STREET SUITE 104 DANVERS, MA 01923 | TUFTS INSURANCE COMPANY | $24K | — | $24K | 2.47% |
| CORCORAN & HAVLIN BENEFITS3 Filed as: CORCORAN & HAVLIN BENEFITS INS | 287 LINDEN STREET PO BOX 9011 WELLESLEY, MA 02482 | TUFTS INSURANCE COMPANY | $3K | $822 | $3K | 0.36% |
| INSIGHT INSURANCE AGENCY LLC3 Filed as: INSIGHT INSURANCE AGENCY, LLC | 185 CENTRE STREET SUITE 104 DANVERS, MA 01923 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $16K | — | $16K | 2.55% |
| CORCORAN & HAVLIN BENEFITS3 Filed as: CORCORAN & HAVLIN BENEFITS INS | 287 LINDEN STREET PO BOX 9011 WELLESLEY, MA 02482 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $2K | $735 | $3K | 0.44% |
| MICHAEL WARD3 Filed as: MICHAEL D. WARD | 11 ROBIN HILL ROAD DANVERS, MA 01923 | GUARDIAN LIFE INSURANCE CO. | $11K | — | $11K | 6.46% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 560 CLINTON ST ROCHESTER, NY 14604 | MVP HEALTH CARE | $679 | — | $679 | 3.97% |
| INSIGHT INSURANCE AGENCY LLC3 Filed as: INSIGHT INSURANCE AGENCY, LLC | 185 CENTRE STREET SUITE 104 DANVERS, MA 01923 | VISION SERVICE PLAN | $920 | — | $920 | 6.22% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | TUFTS INSURANCE COMPANY | 112 | $1.6M |
| Dental | GUARDIAN LIFE INSURANCE CO. | 265 | $165K |
| Vision | VISION SERVICE PLAN | 116 | $15K |
| Life insurance | GUARDIAN LIFE INSURANCE CO. | 265 | $165K |
| Short-term disability | GUARDIAN LIFE INSURANCE CO. | 265 | $165K |
| Long-term disability | GUARDIAN LIFE INSURANCE CO. | 265 | $165K |
| Other | GUARDIAN LIFE INSURANCE CO. | 265 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.