| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | 607 NORTH AVENUE WAKEFIELD, MA 01880 | TUFTS INSURANCE COMPANY | $19K | $12K | $31K | 2.18% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $16K | $9K | $25K | 3.56% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $2K | $13K | 9.61% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.95% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $69 | $0 | $69 | 2.44% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $89 | $0 | $89 | 6.19% |
| UNKNOWN3 | ONE BEACON STREET, 25TH FLOOR BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $143 | $0 | $143 | 15.05% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 215 | $2.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 251 | $18K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $134K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $131K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $131K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 215 | $2.1M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.