| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER CIRCLE SUITE 102 NORWELL, MA 02061 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | $40K | $5K | $45K | 2.22% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER CIRCLE SUITE 102 NORWELL, MA 02061 | DELTA DENTAL | $5K | $0 | $5K | 3.78% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.04% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | TUFTS INSURANCE COMPANY | $621 | $89 | $710 | 2.37% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 020611635 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.57% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER DR NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $240 | $2K | 26.98% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $310 | $0 | $310 | 10.99% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER DRIVE NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $437 | $63 | $500 | 31.71% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | 245 | $2.1M |
| Dental | DELTA DENTAL | 272 | $142K |
| Life insurance(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 150 | $24K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 150 | $24K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 150 | $36K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 150 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.