| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA SUITE 600 NEW YORK, NY 10004 | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND INC - MA | $31K | — | $31K | 1.63% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND INC - MA | $10K | — | $10K | 0.54% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA SUITE 600 NEW YORK, NY 10004 | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND INC - MA | $5K | — | $5K | 1.63% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND INC - MA | $2K | — | $2K | 0.54% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA SUITE 600 NEW YORK, NY 10004 | HARVARD PILGRIM HEALTH CARE INSURANCE COMPANY | $4K | — | $4K | 1.63% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | HARVARD PILGRIM HEALTH CARE INSURANCE COMPANY | $1K | — | $1K | 0.54% |
| CAMMACK HEALTH LLC3 Filed as: CHARLES W CAMMACK ASSOCIATES | 2 RECTOR STREET SUITE 2300 NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.35% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $240 | $2K | 1.99% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA SUITE 600 NEW YORK, NY 10004 | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND INC - MA | $1K | — | $1K | 1.63% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND INC - MA | $382 | — | $382 | 0.54% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE SUITE 301 CONCORD, NH 03301 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 13.66% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA SUITE 600 NEW YORK, NY 10004 | HPHC INSURANCE COMPANY | $388 | — | $388 | 1.62% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | HPHC INSURANCE COMPANY | $129 | — | $129 | 0.54% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $357 | — | $357 | 1.50% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA NEW YORK, NY 10004 | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND INC - MA | $122 | — | $122 | 1.62% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND INC - MA | $41 | — | $41 | 0.54% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND INC - MA | 276 | $2.6M |
| Vision | RED TREE INSURANCE COMPANY, INC. | 571 | $24K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 290 | $32K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $120K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $120K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 290 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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."
No prospect flags tripped on this filing.