| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 | 607 NORTH AVENUE, PO BOX 4000 WAKEFIELD, MA 01880 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG. INC. | $9K | $5K | $14K | 3.95% |
| EASTERN INSURANCE GROUP LLC3 | 607 NORTH AVENUE, PO BOX 4000 WAKEFIELD, MA 01880 | TUFTS INSURANCE COMPANY | $3K | $952 | $4K | 3.89% |
| EASTERN INSURANCE GROUP LLC3 | PO BOX 4000 WAKEFIELD, MA 01880 | DELTA DENTAL OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | $2K | $216 | $3K | 5.85% |
| EASTERN INSURANCE GROUP LLC3 | 233 W CENTRAL ST NATICK, MA 01760 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.48% |
| EASTERN INSURANCE GROUP LLC3 | 233 W CENTRAL ST NATICK, MA 01760 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $624 | $2K | 21.04% |
| EASTERN INSURANCE GROUP LLC3 | 233 W CENTRAL ST NATICK, MA 01760 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $911 | $511 | $1K | 15.62% |
| EASTERN INSURANCE GROUP LLC3 | 233 W CENTRAL ST NATICK, MA 01760 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $648 | $399 | $1K | 16.16% |
| EASTERN INSURANCE GROUP LLC3 | 233 W CENTRAL ST NATICK, MA 01760 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 2.57% |
| EASTERN INSURANCE GROUP LLC3 | 233 W CENTRAL ST NATICK, MA 01760 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $138 | $129 | $267 | 28.99% |
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 | 49 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 49 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG. INC. | 49 | $458K |
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | 67 | $46K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $7K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $10K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $11K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 49 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 67 | — |
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.