| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | DBA SULLIVAN BENEFITS 33 BOSTON POST ROAD, SUITE120 MARLBOROUGH, MA 01752 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $36K | — | $36K | 1.56% |
| GROUP INSURANCE SOLUTIONS, INC.3 | DBA SULLIVAN BENEFITS 33 BOSTON POST ROAD WEST, SUITE 120 MARLBOROUGH, MA 01752 | UNION SECURITY INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| FRANCIS P SHEA3 Filed as: FRANCIS P. SHEA INSURANCE AGENCY | 1 MERCANTILE STREET, SUITE 710 WORCESTER, MA 01608 | ALTUS DENTAL INSURANCE COMPANY, INC. | $7K | — | $7K | 4.19% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | DBA SULLIVAN BENEFITS 33 BOSTON POST ROAD WEST, SUITE 120 MARLBOROUGH, MA 01752 | TUFTS INSURANCE COMPANY | $269 | — | $269 | 1.34% |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 411 | 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. | 502 | $2.3M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 289 | $160K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 406 | $196K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 406 | $196K |
| Other | UNION SECURITY INSURANCE COMPANY | 406 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.