| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPERS & WALLACK3 Filed as: SAPERS & WALLACK INSURANCE | 275 WASHINGTON ST., STE. 110 NEWTON, MA 02458 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $27K | $26K | $53K | 4.29% |
| SAPERS & WALLACK3 Filed as: SAPERS & WALLACK INSURANCE | 275 WASHINGTON ST., STE. 110 NEWTON, MA 02458 | TUFTS INSURANCE COMPANY | $19K | $16K | $35K | 3.62% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF MASSACHUSETTS | $3K | — | $3K | 2.17% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 275 WASHINGTON ST., STE. 110 NEWTON, MA 02458 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.58% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 275 WASHINGTON ST., STE. 110 NEWTON, MA 02458 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.17% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 275 WASHINGTON ST., STE. 110 NEWTON, MA 02458 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.39% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | EYEMED VISION CARE | $1K | — | $1K | 11.85% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 163 | $2.2M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 278 | $140K |
| Vision | EYEMED VISION CARE | 163 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 155 | $30K |
| Short-term disability | STANDARD INSURANCE COMPANY | 154 | $35K |
| Long-term disability | STANDARD INSURANCE COMPANY | 155 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
No prospect flags tripped on this filing.