| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $46K | $26K | $72K | 2.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 CROWN COLONY DRIVE, SUITE 308 QUINCY, MA 02169 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 5.51% |
| ELLEN J. GLEW3 | 246 MAIN STREET NORTH READING, MA 01864 | AFLAC | $17K | $16 | $17K | 11.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 CROWN COLONY DRIVE, SUITE 308 QUINCY, MA 02169 | AFLAC | $9K | — | $9K | 6.07% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $3K | $3 | $3K | 2.12% |
| MJ INSURANCE3 Filed as: AARON K. BADEN AND VARIOUS AGENTS | 73 SOUTH STREET GREAT BARRINGTON, MA 01230 | AFLAC | $3K | $1 | $3K | 1.94% |
| DAWN SHERIDAN3 Filed as: DAWN MARIE SHERDIAN | 5 OAKLAND ROAD NORTH READING, MA 01864 | AFLAC | $2K | $2 | $2K | 1.13% |
| ELLEN J. GLEW3 Filed as: ELLEN J GLEW | 121 CHESTNUT STREET NORTH READING, MA 01864 | AFLAC | $2K | — | $2K | 1.10% |
| DAVID S HALLETT3 | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $1K | — | $1K | 0.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | EYEMED | $1K | — | $1K | 7.21% |
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 | 336 | 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) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 407 | $3.1M |
| Vision | EYEMED | 285 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 336 | $150K |
| Short-term disability | AFLAC | 152 | $142K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 336 | $150K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 407 | $3.1M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 336 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.