| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $52K | $21K | $73K | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 CROWN COLONY DRIVE SUITE 308 QUINCY, MA 02169 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $3K | $12K | 5.55% |
| ELLEN J. GLEW3 | 121 CHESTNUT STREET NORTH READING, MA 01864 | AFLAC | $16K | $1K | $18K | 11.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $8K | $0 | $8K | 5.14% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $4K | $296 | $4K | 2.80% |
| DAWN SHERIDAN3 Filed as: DAWN MARIE SHERIDAN | 5 OAKLAND ROAD NORTH READING, MA 01864 | AFLAC | $2K | $303 | $2K | 1.23% |
| THE PROTECTOR GROUP INS. AGENCY3 Filed as: PROTECTOR GRP INS AGENCY AND OTHERS | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | AFLAC | $2K | $0 | $2K | 1.18% |
| JOHN M. BARR3 | 40 WASHINGTON STREET BEDFORD, MA 01730 | AFLAC | $2K | $29 | $2K | 1.11% |
| AARON K BADEN3 Filed as: AARON K. BADEN | 73 SOUTH STREET GREAT BARRINGTON, MA 01230 | AFLAC | $543 | $0 | $543 | 0.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | EYEMED VISION CARE | $1K | $0 | $1K | 9.17% |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 497 | $3.8M |
| Vision | EYEMED VISION CARE | 317 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 372 | $223K |
| Short-term disability | AFLAC | 185 | $158K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 372 | $223K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 497 | $3.8M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 372 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 497 | — |
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.