| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSIGHT INSURANCE AGENCY LLC3 Filed as: INSIGHT INSURANCE AGENCY | 152 CONANT STREET 2ND FLOOR BEVERLY, MA 01915 | TUFTS INSURANCE COMPANY | $20K | — | $20K | 1.70% |
| INSIGHT INSURANCE AGENCY LLC3 Filed as: INSIGHT INSURANCE AGENCY, LLC | 152 CONANT STREET 2ND FLOOR BEVERLY, MA 01915 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $13K | — | $13K | 1.90% |
| MICHAEL WARD3 Filed as: MICHAEL D. WARD | 11 ROBIN HILL ROAD DANVERS, MA 01923 | GUARDIAN LIFE INSURANCE CO. | $13K | — | $13K | 5.55% |
| INSIGHT INSURANCE AGENCY LLC3 Filed as: INSIGHT INSURANCE AGENCY, LLC | 152 CONANT STREET 2ND FLOOR BEVERLY, MA 01915 | VISION SERVICE PLAN | $1K | — | $1K | 5.56% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 560 CLINTON ST ROCHESTER, NY 14604 | MVP HEALTH CARE | $470 | — | $470 | 2.42% |
| USRP INSURANCE AGENCY LLC3 Filed as: USRP INSURANCE AGENCY, LLC | 80 STATE STREET ALBANY, NY 12207 | MVP HEALTH CARE | $344 | — | $344 | 1.77% |
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 | 319 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | TUFTS INSURANCE COMPANY | 277 | $1.9M |
| Dental | GUARDIAN LIFE INSURANCE CO. | 319 | $233K |
| Vision | VISION SERVICE PLAN | 161 | $20K |
| Life insurance | GUARDIAN LIFE INSURANCE CO. | 319 | $233K |
| Short-term disability | GUARDIAN LIFE INSURANCE CO. | 319 | $233K |
| Long-term disability | GUARDIAN LIFE INSURANCE CO. | 319 | $233K |
| Other | GUARDIAN LIFE INSURANCE CO. | 319 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.