| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | HARVARD PILGRIM HEALTHCARE | $20K | — | $20K | 1.54% |
| CHRISTOPHER ALLEN3 | 20 PARK PLZ. STE 526 BOSTON, MA 02116 | HARVARD PILGRIM HEALTHCARE | $14K | — | $14K | 1.06% |
| JAMES MOORADIAN3 | 277 DARTMOUTH ST. FL 4 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.88% |
| 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 | — | $734 | $734 | 0.61% |
| CHRISTOPHER ALLEN3 | 20 PARK PLAZE STE. 478 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $700 | — | $700 | 0.58% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN, LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.69% |
| CHRISTOPHER ALLEN3 | 21 PLEASANT STREET COHASSET, MA 02025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.79% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH ST., 4TH FL. BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $63 | $1K | 3.40% |
| BRYAN LAMBERT3 Filed as: BRYAN E. LAMBERT | 783 WEBSTER STREET NEEDAM, MA 02492 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $956 | $7 | $963 | 2.86% |
| CHRISTOPHER M. ALLEN3 | 20 PARK PLAZE STE. 478 BOSTON, MA 02492 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $836 | — | $836 | 2.48% |
| ROBERT C. NEFF3 | 20 PARK PLAZA STE. 614 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.07% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | HARVARD PILGRIM HEALTHCARE | $39 | — | $39 | 1.53% |
| CHRISTOPHER ALLEN3 | 20 PARK PLZ. STE 526 BOSTON, MA 02116 | HARVARD PILGRIM HEALTHCARE | $27 | — | $27 | 1.06% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTHCARE | 193 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $91K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $154K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $154K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $120K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.