| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS COUNC | 240 BEAR HILL RD, SUITE 102 WALTHAM, MA 02451 | HPHC INSURANCE COMPANY | $26K | — | $26K | 2.30% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS COUNC | 240 BEAR HILL RD, SUITE 102 WALTHAM, MA 02451 | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND INC - MA | $18K | — | $18K | 2.30% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS COUNC | 240 BEAR HILL RD, SUITE 102 WALTHAM, MA 02451 | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND INC - MA | $5K | — | $5K | 2.30% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS COUNC | 240 BEAR HILL RD, SUITE 102 WALTHAM, MA 02451 | HPHC INSURANCE COMPANY | $571 | — | $571 | 2.30% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS COUNC | 240 BEAR HILL RD, SUITE 102 WALTHAM, MA 02451 | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND INC - MA | $194 | — | $194 | 2.29% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CONCO | 15 CHENELL DRIVE CONCORD, NH 03301 | EYE MED | $732 | — | $732 | 9.10% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CONCO | 15 CHENELL DRIVE CONCORD, NH 03301 | EYE MED | $221 | — | $221 | 7.12% |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | GROUP DYNAMIC, INC. | 57 | $5K |
| Vision(2 contracts) | EYE MED | 125 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.