| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $23K | $21K | $44K | 3.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | DELTA DENTAL OF MASSACHUSETTS | $2K | $552 | $2K | 3.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $504 | $504 | 1.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $305 | $305 | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH &MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $138 | $138 | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST STE 800 WORCESTER, MA 01608 | EYEMED | $342 | $0 | $342 | 9.16% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | 117 | $1.3M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 113 | $62K |
| Vision | EYEMED | 55 | $4K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $24K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 64 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 86 | $39K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | 117 | $1.3M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.