| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC | $24K | $22K | $46K | 2.50% |
| EMPLOYERS ASSOCIATED INSURANCE AGEN3 | 54 THIRD AVENUE PO BOX 4070 BURLINGTON, MA 01803 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC | $10K | $0 | $10K | 0.55% |
| EMPLOYERS ASSOCIATED INSURANCE AGEN3 | 54 THIRD AVENUE PO BOX 4070 BURLINGTON, MA 01803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $4K | $20K | 8.88% |
| EMPLOYERS ASSOCIATED INSURANCE AGEN3 | 54 THIRD AVENUE PO BOX 4070 BURLINGTON, MA 01803 | DELTA DENTAL OF MA | $11K | $0 | $11K | 5.48% |
| EMPLOYERS ASSOCIATED INSURANCE AGEN3 | 54 THIRD AVENUE PO BOX 4070 BURLINGTON, MA 01803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $1K | $21K | 25.70% |
| EMPLOYERS ASSOCIATED INSURANCE AGEN3 | 54 THIRD AVE PO BOX 4070 BURLINGTON, MA 01803 | ZURICH-AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 25.00% |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MA | 150 | $192K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $222K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $222K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.