| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG, INC. | $166K | $220K | $386K | 2.53% |
| EASTERN INSURANCE3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | MATTHEW THORNTON HEALTH PLAN, INC. | $14K | — | $14K | 2.15% |
| FIAI INC3 Filed as: FIAI, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | MATTHEW THORNTON HEALTH PLAN, INC. | $6K | $35 | $6K | 0.99% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | TUFTS INSURANCE COMPANY | $3K | $4K | $7K | 2.37% |
| EASTERN INSURANCE3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $693 | — | $693 | 0.34% |
| FIAI INC3 Filed as: FIAI, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $180 | — | $180 | 0.09% |
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 | 3,232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG, INC. | 3,049 | $16.4M |
| Prescription drug(4 contracts, 4 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG, INC. | 3,049 | $16.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,049 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.