| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $31K | $9K | $41K | 2.90% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INSURANCE AGENCY | 434 ROUTE 134, SUITE F1 DENNIS, MA 02660 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $2K | $0 | $2K | 0.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 600 LONGWATER DRIVE NORWELL, MA 02061 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 6.79% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INSURANCE AGENCY | 434 ROUTE 134, SUITE F1 DENNIS, MA 02660 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 0.97% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 184 | $1.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 234 | $111K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 234 | $111K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 234 | $111K |
| Other | HARTFORD LIFE AND ACCIDENT | 234 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.