| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SOLUTIONS, INC.3 | 5 MOUNT ROYAL AVENUE SUITE 250 MARLBOROUGH, MA 01752 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $71K | — | $71K | 1.56% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 5 MOUNT ROYAL AVENUE SUITE 250 MARLBOROUGH, MA 01752 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $22K | $57K | 8.72% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 5 MOUNT ROYAL AVENUE SUITE 250 MARLBOROUGH, MA 01752 | TUFTS INSURANCE COMPANY | $695 | — | $695 | 0.94% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.79% |
| MICHAEL P SPEISMAN3 | 5 WEST STREET NATICK, MA 01760 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.93% |
| STEVEN R KARAS3 | 222 WARD STREET NEWTON CENTRE, MA 02459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $714 | — | $714 | 1.01% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $302 | — | $302 | 0.43% |
| BRANDON R ROYCE3 | 96 FARRINGTON AVENUE WRENTHAM, MA 02096 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.14% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED | $4K | — | $4K | 9.88% |
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 | 815 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 817 | 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. | 907 | $4.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 815 | $650K |
| Vision | EYEMED | 1,131 | $38K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 815 | $650K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 99 | $71K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 815 | $650K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 907 | $4.6M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 815 | $650K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,131 | — |
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.