| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWOOD DRIVE NORWELL, MA 02061 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATIONS INC | $31K | $20K | $51K | 2.62% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP, LLC | 607 NORTH AVENUE P.O. BOX 4000 WAKEFIELD, MA 01880 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATIONS INC | $11K | — | $11K | 0.54% |
| EASTERN INSURANCE GROUP LLC3 | DBA HARBOUR BENEFITS 100 QUANNAPOWITT PKWY WAKEFIELD, MA 01880 | ALTUS DENTAL INSURANCE COMPANY, INC. | $3K | — | $3K | 2.44% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | ALTUS DENTAL INSURANCE COMPANY, INC. | $3K | — | $3K | 2.44% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER DRIVE NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $6K | 7.95% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP, LLC | 233 W CENTRAL STREET NATICK, MA 01760 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $4K | 4.61% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER DRIVE NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $445 | $2K | 10.41% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP, LLC | 233 W CENTRAL STREET NATICK, MA 01760 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $341 | $1K | 7.37% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP, INC | 120 LONGWELL DRIVE NORWELL, MA 02061 | TUFTS INSURANCE COMPANY | $219 | $301 | $520 | 9.48% |
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 | 149 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATIONS INC | 247 | $2.0M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 269 | $122K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $78K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $78K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $78K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATIONS INC | 247 | $2.0M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.