| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | 607 NORTH AVENUE WAKEFIELD, MA 01880 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $51K | $20K | $70K | 3.20% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | BLUE CROSS BLUE SHIELD OF ARIZONA | $58K | $0 | $58K | 5.01% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $6K | $0 | $6K | 3.10% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 8.66% |
| BULFINCH GROUP INSURANCE AGY3 Filed as: BULFINCH GROUP INSURANCE | 160 GOULD STREET, SUITE 310 NEEDHAM, MA 02494 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $41 | $0 | $41 | 0.10% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $323 | $3K | 12.19% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 368 | $3.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 556 | $207K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $63K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $42K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 55 | $21K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 368 | $3.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.