| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE. BOSTON, MA 02199 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG, INC. | — | $23K | $23K | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG, INC. | $22K | — | $22K | 1.27% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 133 FEDERAL STREET BOSTON, MA 02110 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG, INC. | $16K | — | $16K | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 4.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 4.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 133 FEDERAL STREET BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $404 | — | $404 | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $6K | 5.67% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 4.59% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 133 FEDERAL STREET BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $510 | — | $510 | 0.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 8.48% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.70% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 133 FEDERAL STREET BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $381 | — | $381 | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $671 | $3K | 12.20% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.50% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 133 FEDERAL STREET BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $842 | — | $842 | 3.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE. BOSTON, MA 02199 | EYEMED VISION PLAN | $694 | — | $694 | 6.57% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES | 133 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION PLAN | $355 | — | $355 | 3.36% |
| MARSH & MCLENNAN AGENCY LLC Filed as: RJF, MARSH AND MCLENNAN AGENCY LLC | 7225 NORTHLAND DRIVE NORTH #300 MINNEAPOLIS, MN 55428 | EYEMED VISION PLAN | $139 | — | $139 | 1.32% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG, INC. | 224 | $1.7M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $112K |
| Vision | EYEMED VISION PLAN | 159 | $11K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $40K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $106K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $25K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG, INC. | 224 | $1.7M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.