| 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. | $53K | — | $53K | 1.37% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42K | $10K | $52K | 7.24% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | TUFTS INSURANCE COMPANY | $698 | — | $698 | 1.36% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $313 | — | $313 | 1.04% |
| MICHAEL P SPEISMAN3 | 5 WEST STREET NATICK, MA 01760 | CONTINENTAL AMERICAN INSURANCE COMPANY | $203 | — | $203 | 0.68% |
| STEVEN R KARAS3 | 222 WARD STREET NEWTON CENTRE, MA 02459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.43% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.18% |
| BRANDON R ROYCE3 | 29 CRAFTS STREET SUITE 550 NEWTON, MA 02458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.17% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED | $3K | — | $3K | 11.38% |
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 | 738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 741 | 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. | 812 | $4.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 738 | $725K |
| Vision | EYEMED | 485 | $29K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 738 | $725K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 163 | $30K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 738 | $725K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 812 | $4.0M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 738 | $725K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 812 | — |
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.