| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 5 MOUNT ROYALE AVENUE, SUITE 250 MARLBOROUGH, MA 01752 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG INC | $24K | — | $24K | 1.95% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 5 MOUNT ROYALE AVENUE, SUITE 250 MARLBOROUGH, MA 01752 | TUFTS INSURANCE COMPANY | $7K | $0 | $7K | 1.71% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 9.87% |
| GROUP INS SOLUTION INC3 | 5 MOUNT ROYAL AVENUE, SUITE 250 MARLBOROUGH, MA 01752 | HARTFORD LIFE AND ACCIDENT | $10 | $0 | $10 | 0.02% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS, INC | 5 MOUNT ROYAL AVENUE, SUITE 250 MARLBOROUGH, MA 01752 | VISION SERVICE PLAN | $503 | $0 | $503 | 10.43% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGCY INC | 1 GRIFFIN BROOK DRIVE METHUEN, MA 01844 | VISION SERVICE PLAN | $481 | $0 | $481 | 9.98% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $22 | $0 | $22 | 0.46% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG INC | 145 | $1.6M |
| Vision | VISION SERVICE PLAN | 41 | $5K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 141 | $65K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 141 | $65K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG INC | 145 | $1.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 141 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.