| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER ALLEN | 20 PARK PLZ. STE 526 BOSTON, MA 02116 | HARVARD PILGRIM HEALTHCARE | $18K | — | $18K | 1.67% |
| BRUCE CROHN LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | HARVARD PILGRIM HEALTHCARE | $12K | — | $12K | 1.16% |
| JAMES MOORADIAN | 277 DARTMOUTH ST. FL 4 BOSTON, MA 02116 | HARVARD PILGRIM HEALTHCARE | $9K | — | $9K | 0.84% |
| JAMES MOORADIAN3 | 277 DARTMOUTH ST. FL 4 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $473 | $6K | 5.45% |
| CHRISTOPHER ALLEN3 | 20 PARK PLZ. STE 526 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.33% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND LIFE PARTNERSHIP | 11225 NORTH COMMUNITY HOUSE RD. CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $895 | $895 | 0.85% |
| CHRISTOPHER ALLEN | 20 PARK PLZ. STE 526 BOSTON, MA 02116 | HARVARD PILGRIM HEALTHCARE | $1K | — | $1K | 1.67% |
| BRUCE CROHN LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | HARVARD PILGRIM HEALTHCARE | $988 | — | $988 | 1.16% |
| JAMES MOORADIAN | 277 DARTMOUTH ST. FL 4 BOSTON, MA 02116 | HARVARD PILGRIM HEALTHCARE | $721 | — | $721 | 0.84% |
| CHRISTOPHER ALLEN3 | 20 PARK PLZ. STE 526 BOSTON, MA 02116 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.90% |
| JAMES MOORADIAN3 | 277 DARTMOUTH ST. FL 4 BOSTON, MA 02116 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.90% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METLIFE FINANCIAL | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.27% |
| CHRISTOPHER ALLEN | 20 PARK PLZ. STE 526 BOSTON, MA 02116 | HARVARD PILGRIM HEALTHCARE | $50 | — | $50 | 1.20% |
| BRUCE CROHN LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | HARVARD PILGRIM HEALTHCARE | $34 | — | $34 | 0.81% |
| JAMES MOORADIAN | 277 DARTMOUTH ST. FL 4 BOSTON, MA 02116 | HARVARD PILGRIM HEALTHCARE | $25 | — | $25 | 0.60% |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTHCARE | 166 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $80K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $105K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $105K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $105K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.