| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 20TH FLOOR NEW YORK, NY 10173 | HARVARD PILGRIM HEALTH CARE | $13K | $0 | $13K | 2.45% |
| THORBAHN & ASSOCIATES3 Filed as: THORBAHN & ASSOCIATES INS. AGENCY | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE | $269 | $0 | $269 | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 20TH FLOOR NEW YORK, NY 10173 | HARVARD PILGRIM HEALTH CARE | $10K | $0 | $10K | 2.45% |
| THORBAHN & ASSOCIATES3 Filed as: THORBAHN & ASSOCIATES INS. AGENCY | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE | $199 | $0 | $199 | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 20TH FLOOR NEW YORK, NY 10173 | HARVARD PILGRIM HEALTH CARE | $2K | $0 | $2K | 2.45% |
| THORBAHN & ASSOCIATES3 Filed as: THORBAHN & ASSOCIATES INS. AGENCY | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE | $40 | $0 | $40 | 0.05% |
| PRW ASSOCIATES INSURANCE AGENCY INC3 | 1 PINE HILL DRIVE BATTERY MARCH PARK II FL 5 QUINCY, MA 02169 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 2OTH FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 20TH FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $5K | 11.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 20TH FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $629 | $2K | 15.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 20TH FLOOR NEW YORK, NE 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $597 | $2K | 19.71% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA & COMPANY INSURANCE AGENCY | 500 FAUNCE CORNER RD DARTMOUTH, MA 02747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $412 | $0 | $412 | 3.46% |
| CHARLES S HOURIHAN3 | 12 HILLINGTON DR NORTH EASTON, MA 02356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | $3 | $255 | 2.14% |
| FREDERICK D LEIGH3 | 29 RAMBLIN BROOK RD SEEKONK, MA 02771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | $19 | $241 | 2.03% |
| CHRISTINE GORDON3 | 123 CARRINGTON LANE UXBRIDGE, ME 01569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $1 | $121 | 1.02% |
| MICHAEL S OBERLANDER3 | P.O. BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.33% |
| ENROLLMENT SOLUTIONS LTD3 | 14 WUNSCHEL DR SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.33% |
| DB INSURANCE INC3 | 10 PEACH TREE LANE DANVERS, MA 01923 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $13 | $25 | 0.21% |
| LISA M AMBRUSON3 | P.O. BOX 1222 WARREN, MA 01083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.18% |
| DAVID L FLEURY3 | 545 SOUTH MAIN ST PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.16% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $737 | $0 | $737 | 9.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 20TH FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $272 | $107 | $379 | 16.70% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTH CARE | 115 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $64K |
| Vision | EYEMED VISION CARE | 115 | $7K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $44K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $13K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 171 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.