| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | TUFTS INSURANCE COMPANY | $82K | $24K | $106K | 3.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $10K | $3K | $13K | 4.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST STE 800 WORCESTER, MA 016081435 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $38 | $6K | 2.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 6729 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $34 | $34 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | EYEMED VISION CARE | $3K | $0 | $3K | 9.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 7.66% |
| BRANDON R ROYCE3 | 29 CRAFTS STE 550 NEWTON, MA 02458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $816 | $0 | $816 | 4.50% |
| STEVEN R KARAS3 | 222 WARD ST NEWTON CTR, MA 02459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $322 | $0 | $322 | 1.78% |
| DAVID S HALLETT3 | 8 BROOKS ST WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $253 | $0 | $253 | 1.40% |
| JOEL B KARAS3 | 7 CUFFLIN ST BRIGHTON, MA 02135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.09% |
| EVAN D CROSS3 | 100 ALLERTON RD MILTON, MA 02186 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | TUFTS INSURANCE COMPANY | 431 | $3.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 613 | $299K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 633 | $70K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 270 | $40K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 264 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 267 | $41K |
| Prescription drug(3 contracts, 3 carriers) | TUFTS INSURANCE COMPANY | 431 | $3.1M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 270 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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.