| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE HR SOLUTIONS3 | 75 SECOND AVE SUITE 702 NEEDHAM, MA 02494 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $38K | — | $38K | 2.16% |
| BP BENEFITS, LLC3 Filed as: BP BENEFITS LLC | 160 GOULD ST SUITE 310 NEEDHAM, MA 02494 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $0 | $11K | $11K | 0.60% |
| CLARK & LAVEY BENEFIT SOLUTIONS3 Filed as: CLARK AND LEVY BENEFITS SOLUTIONS | 7 HENRY CLARK DRIVE MERRIMACK, NH 03054 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | — | $1 | $1 | 0.00% |
| BP BENEFITS, LLC3 | 144 TURNPIKE ROAD, STE 110 SOUTHBOROUGH, MA 01772 | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS, INC. | $5K | — | $5K | 3.69% |
| PINNACLE BROKERS3 Filed as: PINNACLE FINANCIAL GROUP | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | VISION SERVICE PLAN | $994 | — | $994 | 7.58% |
| PINNACLE HR SOLUTIONS3 Filed as: PINNACLE INSURANCE AGENCY INC | 144 TURNPIKE ROAD, STE 110 SOUTHBOROUGH, MA 01772 | RELIANCE LIFE INSURANCE COMPANY | $943 | — | $943 | 8.01% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | 232 | $1.8M |
| Dental | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS, INC. | 197 | $145K |
| Vision | VISION SERVICE PLAN | 110 | $13K |
| Life insurance | RELIANCE LIFE INSURANCE COMPANY | 27 | $12K |
| Long-term disability | RELIANCE LIFE INSURANCE COMPANY | 27 | $12K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | 232 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.