| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER M. ALLEN3 | 21 PLEASANT STREET COHASSET, MA 02025 | HARVARD PILGRIM HEALTH CARE | $38K | $0 | $38K | 3.04% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW DRIVE, SUITE 240 CRANSTON, RI 02920 | HARVARD PILGRIM HEALTH CARE | $4K | $0 | $4K | 0.34% |
| CHRISTOPHER M. ALLEN3 | 21 PLEASANT STREET COHASSET, MA 02025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.07% |
| CHRISTOPHER M. ALLEN3 | 20 PARK PLAZA, SUITE 1012 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 6.82% |
| BRYAN LAMBERT3 Filed as: BRYAN E. LAMBERT JR. | 20 PARK PLAZA, SUITE 1012 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.55% |
| CALIBER BENEFITS GROUP3 Filed as: CALIBER BENEFITS GROUP, LLC | 20 PARK PLAZA, SUITE 1012 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $440 | $0 | $440 | 1.06% |
| CALIBER BENEFITS GROUP3 Filed as: CALIBER BENEFITS GROUP, LLC | 20 PARK PLAZA, SUITE 1012 BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 15.01% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $118 | $0 | $118 | 0.87% |
| BRYAN LAMBERT3 Filed as: BRYAN E. LAMBERT JR. | 20 PARK PLAZA, SUITE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | 0.75% |
| CHRISTOPHER M. ALLEN3 | 20 PARK PLAZA, SUITE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $95 | $0 | $95 | 0.70% |
| ROBERT C. NEFF3 | 20 PARK PLAZA, SUITE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 211 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $80K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $55K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $55K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $42K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 211 | $1.2M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.