| 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. | $24K | $2K | $25K | 2.00% |
| BRABO BENEFITS, INC.3 Filed as: BRABO BENEFITS INC. | 51 COURT STREET PLYMOUTH, MA 02360 | TUFTS INSURANCE COMPANY | $9K | $648 | $9K | 1.89% |
| BRABO BENEFITS, INC.3 Filed as: BRABO BENEFITS INC | 51 COURT STREET PLYMOUTH, MA 02360 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 8.28% |
| BRABO BENEFITS, INC.3 | 51 COURT STREET PLYMOUTH, MA 02360 | ALTUS DENTAL INSURANCE COMPANY, INC. | $6K | — | $6K | 5.16% |
| BRABO BENEFITS, INC.3 Filed as: BRABO BENEFITS INC | 51 COURT STREET PLYMOUTH, MA 02360 | VISION SERVICE PLAN | $823 | — | $823 | 6.82% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | 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. | 189 | $1.7M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 318 | $111K |
| Vision | VISION SERVICE PLAN | 90 | $12K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $164K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $164K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $164K |
| Other(3 contracts, 3 carriers) | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | 189 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.