| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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. | $67K | $6K | $73K | 1.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERCIA | $12K | $0 | $12K | 5.00% |
| ELLEN J. GLEW3 Filed as: ELLEN GLEW | 121 CHESTNUT STREET NORTH READING, MA 01864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 8.39% |
| TMBG INC3 Filed as: TMBG | 38 MYRTLE STREET BELMONT, MA 02478 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 8.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 7.77% |
| DAVID J MCCLELLAN3 Filed as: DAVID HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 2.12% |
| KLINGMAN AND ASSOCIATES INC3 Filed as: KLINGMAN & ASSOCIATES INC | 131 COAL KILN RD PRINCETON, MA 01541 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.97% |
| RHONDA A DRESNER3 Filed as: RHONDA DRESNER | 4 BENNETT STREET WOBURN, MA 01801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.81% |
| JOHN M. BARR3 Filed as: JOHN BARR | 40 WASHINGTON STREET BEDFORD, MA 01730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.44% |
| RYAN BENEFITS INC3 Filed as: RYAN TAVARES | 10 WILLOW ST SUITE 308 DERBY, NH 03038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $581 | $0 | $581 | 0.26% |
| MARIA C CUNHA3 Filed as: MARIA C TUSINSKI | 150A ANDOVER ST STE 12C GROVELAND, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $531 | $0 | $531 | 0.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $1K | $0 | $1K | 5.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE | $505 | $0 | $505 | 2.45% |
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 | 553 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 565 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 683 | $4.8M |
| Vision | EYEMED VISION CARE | 481 | $21K |
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERCIA | 553 | $233K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 247 | $223K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERCIA | 553 | $233K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 683 | $4.8M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERCIA | 553 | $456K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.