| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMALL BUSINESS INSURANCE AGENCY3 | 542 MAIN STREET PO BOX 15022 WORCESTER, MA 01608 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $70K | $10K | $81K | 3.44% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY LAVELLE | 546 MAIN STREET WORCESTER, MA 01608 | HUMANA INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY LAVELLE | 38 LACONIA ROAD WORCESTER, MA 01609 | UNION SECURITY INSURANCE COMPANY | $427 | — | $427 | 11.07% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | 0 | $2.3M |
| Dental | HUMANA INSURANCE COMPANY | 0 | $103K |
| Vision | HUMANA INSURANCE COMPANY | 0 | $103K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 0 | $4K |
| Other | UNION SECURITY INSURANCE COMPANY | 0 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.