| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH PLANS, INC.3 | 1500 WEST PARK DRIVE, SUITE 330 WESTBOROUGH, MA 01581 | AMERICAN ALTERNATIVE INSURANCE CORPORATION | $11K | — | $11K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | ATTN JAMES P SMITH 470 ATLANTIC AVENUE STE 13 BOSTON, MA 02210 | STANDARD INSURANCE COMPANY | $5K | $2K | $7K | 6.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | VISION SERVICE PLAN | $2K | — | $2K | 3.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | ATTN JAMES P SMITH 470 ATLANTIC AVENUE STE 13 BOSTON, MA 02210 | STANDARD INSURANCE COMPANY | $3K | $1K | $4K | 6.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $603 | — | $603 | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE 13TH FL BOSTON, MA 02210 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $8K | — | $8K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS, INC. EIN 04-2734278 THIRD PARTY ADMINISTRATOR | Claims processing; Other services Service code 12 | — | $479K |
| ALLONE HEALTH EIN 04-2488836 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $97K |
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 | 877 | 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) | 877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 1,075 | $0 |
| Vision | VISION SERVICE PLAN | 533 | $77K |
| Life insurance | STANDARD INSURANCE COMPANY | 877 | $64K |
| Long-term disability | STANDARD INSURANCE COMPANY | 877 | $95K |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 761 | $433K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,075 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.