| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INCENTIVE GROUP Filed as: THE INCENTIVE GROUP LLC | 201 JONES RD SUITE 625 WALTHAM, MA 02451 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG, INC | $27K | $0 | $27K | 2.27% |
| INCENTIVE GROUP3 Filed as: THE INCENTIVE GROUP LLC | 201 JONES RD SUITE 625 WALTHAM, MA 02451 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $4K | $22K | $26K | 23.95% |
| HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $506 | $0 | $506 | 0.46% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP OF NEW ENGLAND | 201 JONES RD SUITE 625 WALTHAM, MA 02451 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 12.42% |
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 | 233 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG, INC | 212 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 115 | $111K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $53K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $53K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.