| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP, INC. | 120 LONGWATER DRIVE, SUITE 102 NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE | $28K | $10K | $38K | 1.98% |
| CGI EMPLOYEE BENEFITS GROUP3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HARVARD PILGRIM HEALTH CARE | $6K | $25K | $30K | 1.57% |
| CLARK & LAVEY3 | UNKNOWN LOWELL, MA 01854 | HARVARD PILGRIM HEALTH CARE | $88 | $0 | $88 | 0.00% |
| CGI EMPLOYEE BENEFITS GROUP3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HARVARD PILGRIM HEALTH CARE | $19K | $83 | $19K | 2.22% |
| CLARK & LAVEY3 | UNKNOWN LOWELL, MA 01854 | HARVARD PILGRIM HEALTH CARE | -$70 | $0 | -$70 | -0.01% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 5.60% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO & WARLICK INC. | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 4.47% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP, INC. | 120 LONGWATER DRIVE, SUITE 102 NORWELL, MA 02061 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 8.22% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO & WARLICK INC. | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $634 | $0 | $634 | 2.19% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 269 | $2.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $171K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 382 | $29K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $0 |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $0 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $0 |
| Prescription drug(2 contracts) | HARVARD PILGRIM HEALTH CARE | 269 | $2.8M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.