| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP, INC | 120 LONGWATER DRIVE NORWELL, MA 02061 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | $43K | $15K | $59K | 2.58% |
| ANTHONY F. CORDEIRO INS. AGENCY3 Filed as: ANTHONY F CORDEIRO | 171 PLEASANT STREET FALL RIVER, MA 02721 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | $13K | $0 | $13K | 0.58% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP | 120 LONGWATER DRIVE STE 120 NORWELL, MA 02061 | ALTUS DENTAL INSURANCE COMPANY, INC. | $7K | $0 | $7K | 4.13% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER DR NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 10.76% |
| READ INSURANCE & FINANCIAL SERVICES3 | P.O. BOX 789 ASSONET, MA 02702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 13.20% |
| J KING INSURANCE INC3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 6.95% |
| THERESA CATHERINE MACMILLAN3 | 650 EAST GREENWICH AVE WEST WARWICK, RI 02893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $54 | $3K | 4.71% |
| LAURIE SEUBERT3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $556 | $2K | 3.42% |
| JASON R SMITH3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $166 | $2K | 2.98% |
| JAMES R SMITH INSURANCE LTD3 | 5835 POST ROAD STE 214 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $981 | $606 | $2K | 2.32% |
| BEIYANIL E PENA3 | 97 LEE STREE PAWTUCKET, RI 02861 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $69 | $1K | 2.06% |
| DAVID L FLEURY3 | 545 SOUTH WATER ST PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $682 | $401 | $1K | 1.59% |
| CHRISTOPHER IHLEFELD3 | 2 TRENTON ST #2 PROVIDENCE, RI 02906 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $0 | $95 | 0.14% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $7 | $83 | 0.12% |
| KIMBERLY ST ONGE3 | 104 CLEARVIEW DR NORTH KINGSTON, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.03% |
| DB INSURANCE INC3 | 10 PEACH TREE LANE DANVERS, MA 01923 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| CHRISTINE GORDON3 | 73 WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| LISA M AMBRUSON3 | P.O. BOX 1222 WARREN, MA 01083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER DRIVE STE 102 NORWELL, MA 02061 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 19.98% |
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 | 530 | 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) | 530 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | 344 | $2.3M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 429 | $164K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 530 | $98K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 44 | $25K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 530 | $74K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 530 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.