| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERSGRRAY, INC.3 | 410 UNIVERSITY AVENUE NORWOOD, MA 02090 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $28K | $0 | $28K | 1.45% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LIMITED LIABILITY | 2 DELTA DRIVE, SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $3K | $8K | 8.46% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 410 UNIVERSITY AVENUE WESTWOOD, MA 02090 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.95% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 410 UNIVERSTIY AVENUE WESTWOOD, MA 02090 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.76% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | ALTUS DENTAL INSURANCE COMPANY, INC. | $5K | $0 | $5K | 5.73% |
| ROGERSGRRAY, INC.3 | 410 UNIVERSITY AVENUE NORWOOD, MA 02090 | TUFTS INSURANCE COMPANY | $250 | $0 | $250 | 0.94% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | $696 | $0 | $696 | 8.23% |
| ROGERSGRAY, INC.3 | 434 ROUTE 134, SUITE F1 SOUTH DENNIS, MA 02660 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | $148 | $0 | $148 | 1.75% |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 224 | $2.0M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 142 | $87K |
| Vision | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | 106 | $8K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 236 | $98K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 236 | $98K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 236 | $98K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 224 | $2.0M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 236 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.