| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP, LLC | 607 NORTH AVENUE PO BOX 4000 WAKEFIELD, MA 01880 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $33K | $11K | $44K | 2.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE STE 401 BOSTON, MA 02199 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $20K | $0 | $20K | 1.09% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF MASSACHUSETTS | $10K | $0 | $10K | 6.00% |
| EASTERN INSURANCE GROUP LLC3 | PO BOX 4000 ATTN BILLING DEPTBENEFITS WAKEFIELD, MA 01880 | DELTA DENTAL OF MASSACHUSETTS | $4K | $0 | $4K | 2.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | DELTA DENTAL OF MASSACHUSETTS | $3K | $0 | $3K | 2.01% |
| EASTERN INSURANCE GROUP LLC3 | PO BOX 4000 WAKEFIELD, MA 01880 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 3.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LL | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 1.76% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP, LLC | 233 W CENTRAL ST NATICK, MA 01760 | VISION SERVICE PLAN | $666 | $0 | $666 | 5.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST STE 800 WORCESTER, MA 016081435 | VISION SERVICE PLAN | $232 | $0 | $232 | 1.77% |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | 290 | $1.8M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 321 | $165K |
| Vision | VISION SERVICE PLAN | 106 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 217 | $164K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 217 | $164K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 217 | $164K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 217 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.