| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $49K | $19K | $68K | 1.81% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | TUFTS INSURANCE COMPANY | $4K | $2K | $6K | 0.95% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $16K | 8.98% |
| THOMAS CHRISTOPHER SMITH3 Filed as: THOMAS SMITH | 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15 | $0 | $15 | 0.01% |
| DAVID BOWEN3 | 8 MARK LANE MILTON, MA 02186 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.00% |
| BURGIN PLATNER HURLEY INSURANCE3 | 14 FRANKLIN STREET QUINCY, MA 02169 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.00% |
| THOMAS CHRISTOPHER SMITH3 Filed as: THOMAS SMITH | 798 BERRY ROAD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $362 | $0 | $362 | 2.14% |
| DAVID BOWEN3 | 8 MARK LANE MILTON, MA 02186 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $122 | $0 | $122 | 0.72% |
| BURGIN PLATNER HURLEY INSURANCE3 | 14 FRANKLIN STREET QUINCY, MA 02169 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $122 | $0 | $122 | 0.72% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | STARMOUNT LIFE INSURANCE COMPANY | $643 | $82 | $725 | 13.53% |
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 | 393 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 369 | $4.4M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 44 | $5K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 381 | $190K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 381 | $174K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 381 | $174K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 369 | $4.4M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 381 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.