| 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. | $10K | — | $10K | 1.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $10K | — | $10K | 0.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | TUFTS INSURANCE COMPANY | $5K | — | $5K | 1.01% |
| ELIOT LAPPEN INS AGENCY INC.3 Filed as: ELIOT LAPPEN INSURANCE AGENCY | 1087 BEACON STREET SUITE 202 NEWTON CENTER, MA 02459 | TUFTS INSURANCE COMPANY | $5K | — | $5K | 1.00% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 | 700 DISTRICT AVENUE SUITE 900 BURLINGTON, MA 01803 | DELTA DENTAL OF MASSACHUSETTS | $4K | — | $4K | 3.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | DELTA DENTAL OF MASSACHUSETTS | $724 | — | $724 | 0.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 600 LONGWATER DRIVE NORWELL, MA 02061 | UNITED OF OMAHA LIFE INSURANCE CO. | $8K | — | $8K | 9.69% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 | 700 DISTRICT AVENUE SUITE 900 BURLINGTON, MA 01803 | UNITED OF OMAHA LIFE INSURANCE CO. | $2K | — | $2K | 2.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | VISION SERVICE PLAN | $527 | — | $527 | 3.68% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 | 700 DISTRICT AVE SUITE 900 BURLINGTON, MA 01803 | VISION SERVICE PLAN | $377 | — | $377 | 2.63% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | 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. | 150 | $1.5M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 223 | $119K |
| Vision | VISION SERVICE PLAN | 79 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO. | 156 | $83K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO. | 156 | $83K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO. | 156 | $83K |
| Other | UNITED OF OMAHA LIFE INSURANCE CO. | 156 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.