| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY | DBA YOZELL ASSOC 155 FEDERAL ST BOSTON, MA 02110 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC | $33K | — | $33K | 1.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 980 WASHINGTON STREET STE 325 DEDHAM, MA 02026 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC | — | $25K | $25K | 1.14% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC | $9K | — | $9K | 0.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 980 WASHINGTON STREET STE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $3K | — | $3K | 2.62% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $2K | — | $2K | 1.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 155 FEDERAL ST STE 1500 BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 11.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA DBA UNITED BENE | 333 ELM STREET, STE. 300 DEDHAM, MA 02026 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $324 | — | $324 | 5.17% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $204 | — | $204 | 3.25% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC | 249 | $2.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 173 | $97K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 73 | $6K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 196 | $31K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 196 | $31K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC | 249 | $2.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 196 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.