| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $37K | — | $37K | 1.78% |
| ACRISURE LLC3 Filed as: SULLIVAN GARRITY & DONNELLY INS AGE | — | HARVARD PILGRIM HEALTH CARE | $22K | — | $22K | 1.03% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 2.24% |
| ACRISURE LLC3 Filed as: SULLIVAN GARRITY & DONNELLY INS AGE | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 1.29% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $685 | $5K | 13.81% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 5.01% |
| SULLIVAN GARRITY & DONNELLY INC3 Filed as: SULLIVAN GARRITY & DONNELLY INSURAN | 10 INSTITUTE ROAD WORCESTER, MA 01609 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 3.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $1K | — | $1K | 4.50% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $196 | — | $196 | 1.52% |
| ACRISURE LLC3 Filed as: SULLIVAN GARRITY & DONNELLY INS AGE | — | HARVARD PILGRIM HEALTH CARE | $113 | — | $113 | 0.88% |
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 | 454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTH CARE | 395 | $2.3M |
| Vision(2 contracts) | VISION SERVICE PLAN | 203 | $33K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 156 | $38K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 156 | $38K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 156 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.