| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRED C. CHURCH INC.3 | 41 WELLMAN STREET CONNECTOR PARK LOWELL, MA 01851 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $81K | $17K | $98K | 3.97% |
| FRED C. CHURCH INC.3 | 41 WELLMAN STREET CONNECTOR PARK LOWELL, MA 01851 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $124 | $30K | 15.06% |
| FRED C. CHURCH INC.3 | 41 WELLMAN STREET CONNECTOR PARK LOWELL, MA 01851 | TUFTS INSURANCE COMPANY | $2K | $298 | $2K | 3.49% |
| FRED C. CHURCH INC.3 | 41 WELLMAN STREET CONNECTOR PARK LOWELL, MA 01851 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $124 | $6K | 15.32% |
| FRED C. CHURCH INC.3 | 41 WELLMAN STREET CONNECTOR PARK LOWELL, MA 01851 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $124 | $4K | 15.45% |
| FRED C. CHURCH INC.3 | 41 WELLMAN STREET CONNECTOR PARK LOWELL, MA 01851 | EYEMED VISION CARE | $2K | — | $2K | 10.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MASSACHUSETTS, INC. EIN 04-6143185 THIRD PARTY ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 465 MEDFORD STREET BOSTON, MA 02129 | $29K |
| BENEFIT STRATEGIES, LLC EIN 26-0003294 THIRD PARTY ADMINSTRATOR | Claims processing Service code 12 | PO BOX 1300 MANCHESTER, NH 03101 | $9K |
| FRED C. CHURCH INC. EIN 04-2445292 BROKER | Insurance agents and brokers Service code 22 | 41 WELLMAN STREET LOWELL, MA 01851 | $4K |
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 | 357 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 357 | 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. | 410 | $2.5M |
| Vision | EYEMED VISION CARE | 208 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 357 | $28K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 341 | $201K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 357 | $38K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 357 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.