| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 Filed as: EASTERN BENEFITS GROUP LLC | 100 QUANNAPOWITT PKWY WAKEFIELD, MA 01880 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG.INC. | $37K | $24K | $61K | 3.78% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PKWY WAKFIELD, MA 01880 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.19% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PKWY WAKEFIELD, MA 01880 | TUFTS HEALTH PLAN MEDICARE PREFERRED | $5K | — | $5K | 3.97% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PKWY WAKEFIELD, MA 01880 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 11.06% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANAPOWITT PKWY WAKEFIELD, MA 01880 | TUFTS INSURANCE COMPANY | $731 | $495 | $1K | 3.66% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP, LLC | 100 QUANNAPOWITT PKWY WAKEFIELD, MA 01880 | ALTUS DENTAL INSURANCE CO., INC. | $3K | — | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT STRATEGIES EIN 26-0003294 TPA | Claims processing Service code 12 | PO BOX 1660 MANCHESTER, NH 03105 | $12K |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG.INC. | 254 | $1.8M |
| Dental | ALTUS DENTAL INSURANCE CO., INC. | 278 | $0 |
| Life insurance | STANDARD INSURANCE COMPANY | 190 | $137K |
| Long-term disability | STANDARD INSURANCE COMPANY | 156 | $34K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG.INC. | 254 | $1.7M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 190 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.