| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELIOT LAPPEN INS AGENCY INC.3 Filed as: ELIOT LAPPEN INSURANCE AGENCY | 1087 BEACON STREET SUITE 202 NEWTON CENTER, MA 02459 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $20K | — | $20K | 2.04% |
| ELIOT LAPPEN INS AGENCY INC.3 Filed as: ELIOT LAPPEN INSURANCE AGENCY | 1087 BEACON STREET SUITE 202 NEWTON CENTER, MA 02459 | TUFTS INSURANCE COMPANY | $10K | — | $10K | 2.02% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 | 700 DISTRICT AVENUE SUITE 900 BURLINGTON, MA 01803 | DELTA DENTAL OF MASSACHUSETTS | $5K | — | $5K | 3.77% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 | 700 DISTRICT AVENUE SUITE 900 BURLINGTON, MA 01803 | UNITED OF OMAHA LIFE INSURANCE CO. | $14K | — | $14K | 14.46% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 | 700 DISTRICT AVE SUITE 900 BURLINGTON, MA 01803 | VISION SERVICE PLAN | $958 | — | $958 | 6.04% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | 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. | 160 | $1.5M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 261 | $130K |
| Vision | VISION SERVICE PLAN | 89 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO. | 179 | $94K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO. | 179 | $94K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO. | 179 | $94K |
| Other | UNITED OF OMAHA LIFE INSURANCE CO. | 179 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
No prospect flags tripped on this filing.