| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 01073 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $41K | $18K | $59K | 0.92% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $39K | $0 | $39K | 0.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 01073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 5.08% |
| ELLEN J. GLEW3 | 312 MOUNTAIN ROAD HARPSWELL, ME 04079 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 2.53% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.89% |
| LOCKTON COMPANIES, LLC3 | 195 SCOTT SWAMP ROAD, SUITE 201 FARMINGTON, CT 06032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.61% |
| TMBG INC3 Filed as: TMBG, INC. | 38 MYRTLE STREET BELMONT, MA 02478 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.60% |
| MJ INSURANCE3 Filed as: RHONDA A. DRESNER & VARIOUS AGENTS | 114 BURLINGTON STREET WOBURN, MA 01801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $613 | $0 | $613 | 0.22% |
| JOHN M. BARR3 | 40 WASHINGTON STREET BEDFORD, MA 02740 | CONTINENTAL AMERICAN INSURANCE COMPANY | $525 | $0 | $525 | 0.19% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET, SUITE 300 ROYAL OAK, MI 48067 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $10K | $10K | 3.93% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417483 BOSTON, MA 02241 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 3.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 01073 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.25% |
| LOCKTON COMPANIES, LLC3 | ONE INTERNATIONAL PLACE, 16TH FLOOR BOSTON, MA 02110 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 3.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE, 20TH FLOOR NEW YORK, NY 01073 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $490 | $0 | $490 | 1.65% |
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 | 550 | 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) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 700 | $6.4M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 554 | $30K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 550 | $265K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 315 | $278K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 550 | $265K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 700 | $6.4M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 550 | $544K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 700 | — |
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.