| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPERS & WALLACK3 Filed as: SAPERS AND WALLACK INSURANCE | ONE NEWTON PLACE 275 WASHINGTON ST. NEWTON, MA 02458 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $30K | — | $30K | 2.60% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $921 | $8K | $9K | 0.79% |
| SAPERS & WALLACK3 Filed as: SAPERS AND WALLACK INSURANCE | ONE NEWTON PLACE 275 WASHINGTON ST. NEWTON, MA 02458 | TUFTS INSURANCE COMPANY | $1K | — | $1K | 2.27% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | TUFTS INSURANCE COMPANY | $21 | $59 | $80 | 0.18% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 275 WASHINGTON ST., STE. 110 NEWTON, MA 02458 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.40% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | STANDARD INSURANCE COMPANY | $507 | — | $507 | 1.99% |
| SAPERS & WALLACK3 | 275 WASHINGTON ST., STE. 110 NEWTON, MA 02458 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $331 | — | $331 | 3.73% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $455 | $2K | 20.44% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | EYEMED | $355 | — | $355 | 11.15% |
| SAPERS & WALLACK3 | 275 WASHINGTON ST., STE. 110 NEWTON, MA 02458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38 | — | $38 | 1.52% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF MASSACHUSETTS | $2K | — | $2K | 100.00% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | 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. | 169 | $1.2M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 129 | $2K |
| Vision | EYEMED | 46 | $3K |
| Life insurance | STANDARD INSURANCE COMPANY | 112 | $26K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 22 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 17 | $8K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 112 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.