| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 5 MOUNT ROYAL AVENUE, SUITE 250 MARLBOROUGH, MA 01752 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG, INC | $78K | — | $78K | 1.44% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG, INC | $0 | $71K | $71K | 1.33% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 6.07% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | TUFTS INSURANCE COMPANY | $0 | $1K | $1K | 1.42% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 5 MOUNT ROYAL AVENUE, SUITE 250 MARLBOROUGH, MA 01752 | TUFTS INSURANCE COMPANY | $1K | $0 | $1K | 1.11% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $4K | — | $4K | 10.07% |
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 | 687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 691 | 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 | 750 | $5.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 687 | $820K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 463 | $36K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 687 | $820K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 687 | $820K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 687 | $820K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG, INC | 750 | $5.5M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 687 | $820K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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.