| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $75K | $5K | $80K | 0.29% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | RELIASTAR LIFE INSURANCE COMPANY | $17K | — | $17K | 0.62% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | SYMETRA LIFE INSURANCE COMPANY | $118K | — | $118K | 9.50% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $15K | $8K | $23K | 2.86% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | VISION SERVICE PLAN | $7K | — | $7K | 1.04% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK, INC. | 2122 KRATKY ROAD ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $4K | $37K | 8.28% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $2K | $35K | 7.79% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | ACE AMERICAN INSURANCE COMPANY | $24K | — | $24K | 15.00% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 5.40% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | SYMETRA LIFE INSURANCE COMPANY | $4K | — | $4K | 9.50% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP | AVENIDA LUIS MUNOZ RIVERA 270 PH-1 SAN JUAN, PR 00918 | TRIPLE S SALUD, INC. | $1K | — | $1K | 5.00% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | AETNA INTERNATIONAL | $856 | — | $856 | 14.99% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | ACE AMERICAN INSURANCE COMPANY | $56 | — | $56 | 14.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 CLAIMS ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $869K |
| DELTA DENTAL OF MA EIN 04-6143185 CLAIMS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $263K |
| SAPERS & WALLACK EIN 04-2319659 INSURANCE BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | — | $151K |
| PAYFLEX EIN 91-1774434 FSA ADMINISTRATION | Claims processing; Contract Administrator Service code 12 | — | $65K |
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 | 8,500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 233 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | 4,529 | $28.1M |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 54 | $364K |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 3,151 | $1.1M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 7,069 | $2.8M |
| Short-term disability(3 contracts, 2 carriers) | LIBERTY LIFE ASSUSRANCE COMPANY OF BOSTON | 59 | $13K |
| Long-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 3,570 | $817K |
| Stop-loss / reinsurancereinsurance(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 1,440 | $1.3M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,500 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,500 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.