| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC | $50K | $25K | $75K | 1.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC | $15K | $0 | $15K | 0.33% |
| ELLEN J. GLEW3 Filed as: ELLEN GLEW | 121 CHESTNUT STREET NORTH READING, MA 01864 | AFLAC | $23K | $2K | $25K | 11.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 SUITE 308 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $12K | $0 | $12K | 5.31% |
| DAVID J MCCLELLAN3 Filed as: DAVID HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $6K | $326 | $6K | 2.86% |
| JOHN M. BARR3 Filed as: JOHN BARR | 40 WASHINGTON STREET BEDFORD, MA 01730 | AFLAC | $5K | $251 | $5K | 2.41% |
| DAWN SHERIDAN3 | 5 OAKLAND ROAD NORTH READING, MA 01864 | AFLAC | $839 | $125 | $964 | 0.44% |
| AARON K BADEN3 Filed as: AARON BADEN | 73 SOUTH STREET GREAT BARRINGTON, MA 01230 | AFLAC | $543 | $0 | $543 | 0.25% |
| PROTECTOR GROUP INSURANCE AGENCY3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | AFLAC | $439 | $0 | $439 | 0.20% |
| DANIEL P CLARK3 Filed as: DANIEL CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $365 | $0 | $365 | 0.17% |
| RHONDA A DRESNER3 Filed as: RHONDA DRESNER | 4 BENNETT STREET WOBURN, MA 01801 | AFLAC | $272 | $0 | $272 | 0.12% |
| CHRISTOPHER C FEAZEL3 Filed as: CHRISTOPHER FEAZEL | 150A ANDOVER STREET SUITE 12C DANVERS, MA 01923 | AFLAC | $214 | $25 | $239 | 0.11% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE ROAD HOLLISTON, MA 01746 | AFLAC | $181 | $0 | $181 | 0.08% |
| EVAN D CROSS3 Filed as: EVAN CROSS | 100 ALLERTON ROAD MILTON, MA 02186 | AFLAC | $177 | $0 | $177 | 0.08% |
| JEFFREY PAUL SEPESI3 Filed as: JEFFREY SEPESI | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $68 | $0 | $68 | 0.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | AFLAC | $52 | $0 | $52 | 0.02% |
| NATHAN A HUMMER3 Filed as: NATHAN HUMMER | 5 WEBBER ROAD WESTFORD, MA 01886 | AFLAC | $45 | $0 | $45 | 0.02% |
| ALLAN L JONES III3 Filed as: ALLAN JONES III | 212 GROTON ROAD NORTH CHELMSFORD, MA 01863 | AFLAC | $26 | $0 | $26 | 0.01% |
| STEPHEN CUTLER3 | 40 QUEENS WAY APT 11 FRAMINGHAM, MA 01701 | AFLAC | $23 | $0 | $23 | 0.01% |
| LINDA W RABB3 Filed as: LINDA RABB | 58 FALLOW LANE ACWORTH, GA 30101 | AFLAC | $18 | $0 | $18 | 0.01% |
| COMPREHENSIVE EMPLOYEE BENEFITS INC3 | 8 CHALMERS ROAD WORCESTER, MA 01602 | AFLAC | $18 | $0 | $18 | 0.01% |
| LANCE OSBORNE3 | 21822 SEACREST LANE HUNTINGTON BEACH, CA 92646 | AFLAC | $13 | $0 | $13 | 0.01% |
| SHERRI GOSS3 Filed as: SHERRI GROSS | 2517 MOODY ROAD WARNER ROBINS, GA 31088 | AFLAC | $12 | $0 | $12 | 0.01% |
| JOHN LEE CHARRETTE3 Filed as: JOHN CHARRETTE | 50 PITT ROAD FRAMINGHAM, MA 01701 | AFLAC | $11 | $0 | $11 | 0.01% |
| WEX INC3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $10 | $0 | $10 | 0.00% |
| JEFFREY BLOCKER3 | 3 BARNSDALE ROAD NATICK, MA 01760 | AFLAC | $10 | $0 | $10 | 0.00% |
| JILL SCIRPO3 | 6 WILLETT POND ROAD WESTWOOD, MA 02090 | AFLAC | $8 | $0 | $8 | 0.00% |
| JOHN A LECKLITER3 Filed as: JOHN LECKLITER | 10 LINDA LANE SEVERNA PARK, MD 21146 | AFLAC | $8 | $0 | $8 | 0.00% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $7 | $0 | $7 | 0.00% |
| TONYA LANCASTER3 | 1820 THE EXCHANGE SE SUITE 750 ATLANTA, GA 30339 | AFLAC | $6 | $0 | $6 | 0.00% |
| JONATHAN LUCAS3 | 6250 BROWNS BRIDGE ROAD CUMMING, GA 30041 | AFLAC | $4 | $0 | $4 | 0.00% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS GIDDENS | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $3 | $0 | $3 | 0.00% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $2 | $0 | $2 | 0.00% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $2 | $0 | $2 | 0.00% |
| ROBIN MACDONALD3 | 162 OAK STREET APT 17 TAUNTON, MA 02780 | AFLAC | $2 | $0 | $2 | 0.00% |
| KENNETH H. PLATTER3 Filed as: KENNETH PLATTER | 18 SCOTCH DAM ROAD SOUTH EASTON, MA 02375 | AFLAC | $1 | $0 | $1 | 0.00% |
| KATHERINE LATIMER3 | 90 CECILY COURT FORTSON, GA 31808 | AFLAC | $1 | $0 | $1 | 0.00% |
| SHAW ASSOCIATES INC3 | 222 FORBES ROAD SUITE 100 BRAINTREE, MA 02184 | AFLAC | $1 | $0 | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1900 CROWN COLONY DRIVE SUITE 308 QUINCY, MA 02169 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $5K | $14K | 6.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE ITASCA, IL 60143 | EYEMED VISION CARE | $1K | $0 | $1K | 6.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE | $694 | $0 | $694 | 3.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $382 | $0 | $382 | 2.20% |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC | 540 | $4.6M |
| Vision | EYEMED VISION CARE | 386 | $17K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 416 | $218K |
| Short-term disability | AFLAC | 223 | $219K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 416 | $218K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC | 540 | $4.6M |
| Other(2 contracts, 2 carriers) | AFLAC | 416 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.