| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $162K | $139K | $302K | 1.97% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $19K | $19K | 3.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | STANDARD INSURANCE COMPANY | $14K | $0 | $14K | 2.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $10K | $10K | 1.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $1K | $21K | 12.25% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LIMITED | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 4.00% |
| COLGATE BENEFITS INC3 Filed as: COLGATE BENEFITS, INC. | 43 MAGILL DRIVE GRSFTON, MA 01519 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $6K | 3.54% |
| JEFFREY RAYMOND DUBE3 | 9 FRANCES BARBER DRIVE HOPE VALLEY, RI 02832 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $6K | 3.22% |
| MICHAEL R ACKERMAN3 Filed as: MICHAEL R. ACKERMAN | 435 DEVON PARK DRIVE, SUITE 410 WAYNE, PA 19087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $820 | $4K | 2.30% |
| MARY-JOYCE LICATA3 Filed as: MARY-JOYCE LICATA AND OTHER AGENTS | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $171 | $2K | 0.93% |
| ROBERT D STEBBINS3 Filed as: ROBERT D. STEBBINS | 25 STANDISH AVENUE SCITUATE, MA 02066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | TUFTS INSURANCE COMPANY | $484 | $498 | $982 | 1.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 3.21% |
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 | 2,025 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,026 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 1,862 | $15.4M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,276 | $85K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,025 | $753K |
| Short-term disability | STANDARD INSURANCE COMPANY | 2,025 | $579K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,025 | $579K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 1,862 | $15.4M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 2,025 | $814K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,025 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.