| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMMACK HEALTH LLC3 | 2 RECTOR STREET 23RD FLOOR NEW YORK, NY 10006 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $96K | — | $96K | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET 3RD FLOOR BOSTON, MA 02116 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $47K | — | $47K | 0.40% |
| CAMMACK HEALTH LLC3 | 2 RECTOR STREET 23RD FLOOR NEW YORK, NY 10006 | HARVARD PILGRIM HEALTH CARE | $40K | — | $40K | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET 3RD FLOOR BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $12K | — | $12K | 0.30% |
| CAMMACK HEALTH LLC3 Filed as: CHARLES W CAMMACK ASSOCIATES | 2 RECTOR STREET 23RD FLOOR NEW YORK, NY 10006 | HARVARD PILGRIM HEALTH CARE | $4 | — | $4 | 0.00% |
| CAMMACK HEALTH LLC3 | 2 RECTOR STREET 23RD FLOOR BOSTON, MA 10006 | DELTA DENTAL OF MASSACHUSETTS | $15K | — | $15K | 1.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET 3RD FLOOR BOSTON, MA 02116 | DELTA DENTAL OF MASSACHUSETTS | $9K | — | $9K | 0.86% |
| CAMMACK HEALTH LLC3 | 1 BATTERY PARK PLAZA 6TH FLOOR NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 7.49% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET 3RD FLOOR BOSTON, MA 02116 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 2.51% |
| CAMMACK HEALTH LLC3 | 1 BATTERY PARK PLAZA 6TH FLOOR NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET 3RD FLOOR BOSTON, MA 02116 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.50% |
| CAMMACK HEALTH LLC3 | 1 BATTERY PARK PLAZA 6TH FLOOR NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET 3RD FLOOR BOSTON, MA 02116 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.50% |
| CAMMACK HEALTH LLC3 | 2 RECTOR STREET 23RD FLOOR NEW YORK, NY 10006 | HARVARD PILGRIM HEALTH CARE | $395 | — | $395 | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET 3RD STREET BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $120 | — | $120 | 0.30% |
| CAMMACK HEALTH LLC3 | 1 BATTERY PARK PLAZA 6TH FLOOR NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET 3RD FLOOR BOSTON, MA 02116 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $749 | — | $749 | 2.53% |
| CAMMACK HEALTH LLC3 | 1 BATTERY PARK PLAZA 6TH FLOOR NEW YORK, NY 10004 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $937 | — | $937 | 4.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET 3RD FLOOR BOSTON, MA 02116 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $459 | — | $459 | 2.13% |
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 | 1,349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 2,250 | $15.9M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 2,222 | $995K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 286 | $22K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,349 | $239K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $30K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,348 | $291K |
| Prescription drug(3 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 2,250 | $15.9M |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,349 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,250 | — |
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.