| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 103 BLANCHARD ROAD CAMBRIDGE, MA 02138 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $19K | — | $19K | 2.49% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: DELAND, GIBSON INSURANCE ASSOC, INC | 36 WASHINGTON STREET STE 40 WELLESLEY, MA 02481 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $2K | — | $2K | 0.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 103 BLANCHARD ROAD CAMBRIDGE, MA 02138 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $609 | $3K | 3.55% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 119 | $745K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.