| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $42K | — | $42K | 1.42% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 6.48% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 22.51% |
| STEVEN R KARAS3 | 200 COMMONWEALTH AVENUE SUITE 110 NEWTON, MA 02466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 7.05% |
| MICHAEL P SPEISMAN3 | 5 WEST STREET NATICK, MA 01760 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.09% |
| BRANDON R ROYCE3 | 29 CRAFTS STREET SUITE 550 NEWTON, MA 02458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.91% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.95% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | TUFTS INSURANCE COMPANY | $307 | — | $307 | 1.42% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED | $1K | — | $1K | 8.93% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED | $131 | — | $131 | 1.15% |
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 | 533 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 537 | 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. | 617 | $3.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 533 | $399K |
| Vision | EYEMED | 223 | $11K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 533 | $399K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 143 | $58K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 533 | $399K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 617 | $3.0M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 533 | $399K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.