| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC. | — | TUFTS HEALTH PLAN | $38K | — | $38K | 1.94% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC. | — | DELTA DENTAL OF MASSACHUSETTS | $7K | — | $7K | 3.94% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC. | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $4K | — | $4K | 1.94% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 11.95% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF MASSACHUSETTS LLC. | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.57% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC. | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $540 | — | $540 | 3.92% |
| 1025 | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $540 | — | $540 | 17.96% |
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 | 364 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS HEALTH PLAN | 366 | $2.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MASSACHUSETTS | 387 | $203K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 186 | $11K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 364 | $127K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 110 | $37K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 364 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.