| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY SUITE 400 WAKEFIELD, MA 01880 | ALLWAYS HEALTH PARTNERS | $50K | $0 | $50K | 2.86% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY SUITE 400 WAKEFIELD, MA 01880 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 5.72% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $7K | $0 | $7K | 4.58% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $6K | $0 | $6K | 4.17% |
| EMPLOYERS ASSOCIATED INS. AGENCY3 Filed as: EMPLOYERS ASSOCIATED INS AGENCY | 54 THIRD AVENUE BURLINGTON, MA 01803 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $2K | $0 | $2K | 1.42% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | VISION SERVICE PLAN | $769 | $0 | $769 | 7.38% |
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) | ALLWAYS HEALTH PARTNERS | 154 | $1.7M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 305 | $155K |
| Vision | VISION SERVICE PLAN | 98 | $10K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $189K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $189K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $189K |
| Prescription drug | ALLWAYS HEALTH PARTNERS | 154 | $1.7M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.