| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND MEDICAL INSURANCE | 11 SUMMER ST STE 6 CHELMSFORD, MA 01824 | HARVARD PILGRIM HEALTH CARE | $46K | $7K | $53K | 1.60% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND MEDICAL INSURANCE | 11 SUMMER ST STE 6 CHELMSFORD, MA 01824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.58% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND MEDICAL INSURANCE | 11 SUMMER ST STE 6 CHELMSFORD, MA 01824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 13.74% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND MEDICAL INSURANCE | 11 SUMMER ST STE 6 CHELMSFORD, MA 01824 | STARMOUNT LIFE INSURANCE COMPNAY | $2K | — | $2K | 11.05% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND MEDICAL INSURANCE | 11 SUMMER ST STE 6 CHELMSFORD, MA 01824 | HEALTH PLANS INC | $4K | $750 | $5K | 59.92% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 357 | $3.3M |
| Dental | HEALTH PLANS INC | 153 | $8K |
| Vision | STARMOUNT LIFE INSURANCE COMPNAY | 174 | $21K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $268K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $268K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.