| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $28K | — | $28K | 2.65% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF MASSACHUSETTS | $4K | — | $4K | 4.48% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | TUFTS INSURANCE COMPANY | $550 | — | $550 | 1.31% |
| ELIZABETH A WEINER3 | 19 THORNY LEA RD. SHARON, MA 02067 | AFLAC | $2K | — | $2K | 7.91% |
| STEVEN R KARAS3 | 222 WARD ST. NEWTON, MA 02459 | AFLAC | $753 | — | $753 | 2.74% |
| DAVID S HALLETT3 | 8 BROOKS ST. WINCHESTER, MA 01890 | AFLAC | $250 | — | $250 | 0.91% |
| JOEL B KARAS3 | 130 PARSONS ST. BRIGHTON, MA 02135 | AFLAC | $192 | — | $192 | 0.70% |
| EVAN D CROSS3 | 100 ALLERTON RD. MILTON, MA 02186 | AFLAC | $124 | — | $124 | 0.45% |
| KAREN TUCCI3 | 73 STETSON DR. MARLBOROUGH, MA 01752 | AFLAC | $85 | — | $85 | 0.31% |
| DANIEL P CLARK3 | 33 LANDAU RD. PLAINVILLE, MA 02762 | AFLAC | $47 | — | $47 | 0.17% |
| MAUREEN E SNOW3 | 68 WINGATE RD. HOLLISTON, MA 01746 | AFLAC | $15 | — | $15 | 0.05% |
| WEX INC3 Filed as: WEX INC. | 11 STOCKDALE RD. NEEDHAM, MA 02492 | AFLAC | $13 | — | $13 | 0.05% |
| DONALD P SHARRY3 | 8 CHALMERS RD. WORCESTER, MA 01602 | AFLAC | $6 | — | $6 | 0.02% |
| JILL SCIRPO3 | 6 WILLETT POND RD. WESTWOOD, MA 02090 | AFLAC | $2 | — | $2 | 0.01% |
| NATHAN A HUMMER3 Filed as: NATHAN HUMMER | 5 WEBBER RD. WESTFORD, MA 01886 | AFLAC | $1 | — | $1 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $159 | $2K | 16.10% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $110 | $1K | 11.10% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $545 | — | $545 | 9.99% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | 15 N MAIN ST. CONCORD, NH 03301 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $273 | — | $273 | 5.01% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $416 | $45 | $461 | 11.08% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | 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. | 136 | $1.1M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 173 | $79K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 140 | $5K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 121 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $15K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.