| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | 607 NORTH AVENUE WAKEFIELD, MA 01880 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $24K | $4K | $27K | 4.21% |
| EASTERN BENEFITS GROUP3 | 607 NORTH AVENUE WAKEFIELD, MA 01880 | TUFTS INSURANCE COMPANY | $19K | $3K | $22K | 4.18% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $4K | — | $4K | 4.50% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $9K | — | $9K | 12.21% |
| INDIGO INSURANCE SERVICES3 | 446 MAIN STREET, 5TH FLOOR WORCESTER, MA 01608 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY, SUITE 400 WAKEFIELD, MA 01880 | EYEMED VISION CARE | $937 | — | $937 | 10.49% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 120 | $1.2M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 240 | $99K |
| Vision | EYEMED VISION CARE | 140 | $9K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 181 | $72K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 181 | $72K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 181 | $72K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 120 | $1.2M |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 181 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.