| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | 2352 MAIN STREET, SUITE 304 CONCORD, MA 01742 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $19K | $0 | $19K | 1.76% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $0 | $10K | $10K | 0.89% |
| CROSS INSURANCE3 | 2352 MAIN STREET, SUITE 304 CONCORD, MA 01742 | TUFTS INSURANCE COMPANY | $14K | $0 | $14K | 1.52% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | TUFTS INSURANCE COMPANY | $0 | $5K | $5K | 0.51% |
| CROSS INSURANCE3 | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.93% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC | 4 PUNCHARD AVENUE ANDOVER, MA 01810 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.36% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC | UNKNOWN CONCORD, MA 01742 | EQUITABLE | $3K | $0 | $3K | 2.45% |
| CROSS INSURANCE3 | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | EQUITABLE | $861 | $0 | $861 | 0.69% |
| MATT HOLLISTER3 | 401 EDGEWATER PLACE WAKEFIELD, MA 01880 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 10.64% |
| CROSS INSURANCE3 | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 2.80% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $691 | $0 | $691 | 8.14% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC | 4 PUNCHARD AVENUE ANDOVER, MA 01810 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $149 | $0 | $149 | 1.76% |
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 | 377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 382 | 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. | 207 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $191K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $191K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE | 453 | $171K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 207 | $2.0M |
| Other(3 contracts, 3 carriers) | EQUITABLE | 453 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.