| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $19K | $5K | $24K | 4.60% |
| EASTERN BENEFITS GROUP3 | 77 ACCORD PARK DRIVE UNIT B-1 NORWELL, MA 02061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.50% |
| BULFINCH GROUP INSURANCE AGENCY3 | 140 KENDRICK STREET SUITE C-1E NEEDHAM, MA 02494 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $55 | $0 | $55 | 0.11% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | UNUM LIFE ISNURANCE COMPANY OF AMERICA | $384 | $77 | $461 | 12.01% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 113 | $524K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 67 | $50K |
| Life insurance | UNUM LIFE ISNURANCE COMPANY OF AMERICA | 191 | $4K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 113 | $524K |
| Other | UNUM LIFE ISNURANCE COMPANY OF AMERICA | 191 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.