| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMLINSON & O'NEIL INSURANCE3 | AGENCY, INC. 271 UNION STREET NEW BEDFORD, MA 02740 | FALLON HEALTH | $44K | — | $44K | 2.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET 3RD FLOOR BOSTON, MA 02116 | FALLON HEALTH | $11K | — | $11K | 0.70% |
| TOMLINSON & O'NEIL INSURANCE3 Filed as: TOMLINSON & O'NEAL INSURANCE | AGENCY, INC. 271 UNION STREET NEW BEDFORD, MA 02740 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $13K | — | $13K | 2.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET 3RD FLOOR BOSTON, MA 02116 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $3K | — | $3K | 0.72% |
| TOMLINSON & O'NEIL INSURANCE3 Filed as: TOMLINSON AND O'NEIL INSURANCE | AGENCY INC. PO BOX 5809 NEW BEDFORD, MA 02742 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET 3RD FLOOR BOSTON, MA 02116 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 0.66% |
| TOMLINSON & O'NEIL INSURANCE3 | AGENCY INC. PO BOX 5809 NEW BEDFORD, MA 02742 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 2.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET 3RD FLOOR BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 1.99% |
| TOMLINSON & O'NEIL INSURANCE3 | AGENCY INC. PO BOX 5809 NEW BEDFORD, MA 02742 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET 3RD FLOOR BOSTON, MA 02116 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.57% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $149 | $149 | 0.11% |
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 | 484 | 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) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | FALLON HEALTH | 342 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 275 | $157K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 484 | $138K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 484 | $138K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 484 | $138K |
| Prescription drug(3 contracts, 3 carriers) | FALLON HEALTH | 342 | $2.1M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 484 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.