| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CLARK INSURANCE, A MARSH & MCLENNAN | — | HARVARD PILGRIM HEALTH CARE | $27K | — | $27K | 2.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CLARK INSURANCE, A MARSH & MCLENNAN | — | HARVARD PILGRIM HEALTH CARE | $14K | — | $14K | 2.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CLARK INSURANCE, A MARSH & MCL | PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $14K | 12.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 2385 CONGRESS STREET PORTLAND, ME 04104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 6.41% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CLARK INSURANCE, A MARSH & MCLENNAN | — | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 2.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CLARK INSURANCE, A MARSH & MCL | PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $718 | $4K | 20.11% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTH CARE | 184 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $91K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $91K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $126K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $108K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $108K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.