| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRABO BENEFITS, INC.3 Filed as: BRABO BENEFITS INC. | 51 COURT STREET PLYMOUTH, MA 02360 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | $29K | — | $29K | 1.91% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | $1K | $10K | $11K | 0.71% |
| BRABO BENEFITS, INC.3 Filed as: BRABO BENEFITS INC | 51 COURT STREET PLYMOUTH, MA 02360 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 8.29% |
| BRABO BENEFITS, INC.3 | 51 COURT STREET PLYMOUTH, MA 02360 | ALTUS DENTAL INSURANCE COMPANY, INC. | $5K | — | $5K | 5.60% |
| BRABO BENEFITS, INC.3 Filed as: BRABO BENEFITS INC | 51 COURT STREET PLYMOUTH, MA 02360 | VISION SERVICE PLAN | $735 | — | $735 | 7.58% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | 183 | $1.5M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 297 | $94K |
| Vision | VISION SERVICE PLAN | 71 | $10K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $137K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $137K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $137K |
| Other(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | 183 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.