| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INCENTIVE GROUP Filed as: THE INCENTIVE GROUP INSURANCE | 201 JONES ROAD SUITE 625 WALTHAM, MA 02451 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION INC. | $27K | $0 | $27K | 3.22% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW DRIVE SUITE 240 CRANSTON, RI 02920 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION INC. | $0 | $9K | $9K | 1.05% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GOUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW DRIVE SUITE 240 CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $4K | $0 | $4K | 5.91% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GOUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW DRIVE SUITE 240 CRANSTON, RI 02920 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $8K | 24.10% |
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 | 11 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 11 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION INC. | 33 | $847K |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 38 | $70K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 15 | $31K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 15 | $31K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 15 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.