| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | HARVARD PILGRIM HEALTH CARE | $28K | — | $28K | 3.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | HARVARD PILGRIM HEALTH CARE | $16K | — | $16K | 3.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE 13TH FL BOSTON, MA 02210 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $3K | — | $3K | 4.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | ATTN JAMES P SMITH 470 ATLANTIC AVENUE STE 13 BOSTON, MA 022102205 | STANDARD INSURANCE COMPANY | $7K | $1K | $8K | 11.90% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $140 | $140 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | ATTN JAMES P SMITH 470 ATLANTIC AVENUE STE 13 BOSTON, MA 022102205 | STANDARD INSURANCE COMPANY | $7K | $1K | $8K | 13.95% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $120 | $120 | 0.20% |
| MARGOLIS JAMES A3 | 3850 HUDSON MANOR TER #6BW BRONX, NY 104631117 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $745 | — | $745 | 1.91% |
| WEBSTER CLIFFORD S3 | 1 BEACON ST. FL 19 BOSTON, MA 021083107 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $745 | — | $745 | 1.91% |
| ST JEAN RICHARD A JR.3 Filed as: ST. JEAN RICHARD A JR. | 101 FEDERAL ST STE 800 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $449 | — | $449 | 1.15% |
| ANDERSON GREGG A3 | 101 FEDERAL ST STE 800 BOSTON, MA 02210 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | ATTN JAMES P SMITH 470 ATLANTIC AVENUE STE 13 BOSTON, MA 022102205 | STANDARD INSURANCE COMPANY | $2K | $221 | $2K | 16.92% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $23 | $23 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | HARVARD PILGRIM HEALTH CARE | $170 | — | $170 | 3.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | INSURANCE BROKERS, INC. 470 ATLANTIC AVENUE BOSTON, MA 02210 | VISION SERVICE PLAN | $442 | — | $442 | 9.99% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTH CARE | 158 | $1.5M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 172 | $73K |
| Vision | VISION SERVICE PLAN | 34 | $4K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 114 | $109K |
| Short-term disability | STANDARD INSURANCE COMPANY | 114 | $11K |
| Long-term disability | STANDARD INSURANCE COMPANY | 114 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.