| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | 07 NORTH AVENUE P.O. BOX 4000 WAKEFIELD, MA 02061 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATIONS INC | $32K | — | $32K | 1.63% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFIT ADMIN | AN ALERO GROUP AGENCY, LLC 120 LONGWOOD DRIVE,SUITE 201 NORWELL, MA 02061 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATIONS INC | — | $11K | $11K | 0.55% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 SOUTH 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATIONS INC | $8K | — | $8K | 0.40% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATIONS INC | — | $697 | $697 | 0.04% |
| EASTERN INSURANCE GROUP LLC3 | DBA HARBOUR BENEFITS 100 QUANNAPOWITT PKWY WAKEFIELD, MA 01880 | ALTUS DENTAL INSURANCE COMPANY, INC. | $3K | — | $3K | 3.11% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES | 80 SOUTH 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | ALTUS DENTAL INSURANCE COMPANY, INC. | $2K | — | $2K | 2.13% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP, LLC | 233 W CENTRAL STREET NATICK, MA 01760 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $868 | $5K | 9.54% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANY, INC | SUITE 700 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $474 | $2K | 4.04% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP, LLC | 233 W CENTRAL STREET NATICK, MA 01760 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $284 | $2K | 13.10% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | STE 700 80 SOUTH 8TH ST MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $856 | $114 | $970 | 5.27% |
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 | 125 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATIONS INC | 211 | $1.9M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 226 | $107K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $57K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $57K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $57K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATIONS INC | 211 | $1.9M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.