| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SOLUTIONS, INC.3 | DBA SULLIVAN BENEFITS 5 MOUNT ROYAL AVENUE, SUITE 250 MARLBOROUGH, MA 01752 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $21K | — | $21K | 1.96% |
| GROUP INSURANCE SOLUTIONS, INC.3 | DBA SULLIVAN BENEFITS 5 MOUNT ROYAL AVENUE, SUITE 250 MARLBOROUGH, MA 01752 | TUFTS INSURANCE COMPANY | $6K | — | $6K | 1.45% |
| GROUP INSURANCE SOLUTIONS, INC.3 | DBA SULLIVAN BENEFITS 5 MOUNT ROYAL AVENUE, SUITE 250 MARLBOROUGH, MA 01752 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $3K | — | $3K | 2.31% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS, INC | DBA SULLIVAN BENEFITS 5 MOUNT ROYAL AVENUE, SUITE 250 MARLBOROUGH, MA 01752 | THE HARTFORD | $6K | — | $6K | 9.17% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 154 | 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. | 151 | $1.5M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 245 | $139K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD | 151 | $69K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 1 | $254 |
| Long-term disability | THE HARTFORD | 151 | $69K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | 151 | $1.5M |
| Other | THE HARTFORD | 151 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
No prospect flags tripped on this filing.