| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BOULEVARD SUITE 3001 WARWICK, RI 02886 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | $10K | — | $10K | 0.97% |
| BAYSTATE BENEFIT SERVICES3 Filed as: BAYSTATE BENEFIT SERVICES, INC | 400 WASHINGTON STREET SUITE 400 BRAINTREE, MA 02184 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | $9K | — | $9K | 0.87% |
| HRK BROKERAGE SERVICES LLC3 Filed as: HRK BROKERAGE SERVICES, LLC | 905B SOUTH MAIN STREET MANSFIELD, MA 02048 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | $791 | — | $791 | 0.08% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BOULEVARD SUITE 3001 WARWICK, RI 02886 | TUFTS INSURANCE COMPANY | $8K | — | $8K | 0.99% |
| BAYSTATE BENEFIT SERVICES3 Filed as: BAYSTATE BENEFIT SERVICES, INC. | 400 WASHINGTON STREET SUITE 400 BRAINTREE, MA 02184 | TUFTS INSURANCE COMPANY | $6K | — | $6K | 0.79% |
| HRK BROKERAGE SERVICES LLC3 | 905B SOUTH MAIN STREET MANSFIELD, MA 02048 | TUFTS INSURANCE COMPANY | $583 | — | $583 | 0.08% |
| BAYSTATE BENEFIT SERVICES3 Filed as: BAYSTATE BENEFIT SERVICES, INC | 400 WASHINGTON STREET SUITE 400 BRAINTREE, MA 02184 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.32% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 15 BERKSHIRE ROAD SUITE B MANSFIELD, MA 02046 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $630 | $4K | 4.13% |
| BAYSTATE BENEFIT SERVICES3 Filed as: BAYSTATE BENEFIT SERVICES, INC. | 400 WASHINGTON STREET SUITE 400 BRAINTREE, MA 02184 | EYEMED VISION CARE | $463 | — | $463 | 6.28% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | 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. | 146 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $99K |
| Vision | EYEMED VISION CARE | 123 | $7K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $99K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $99K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $99K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.