| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND REGION P.O. BOX 62937 VIRGINIA BEACH, VA 23466 | HARVARD PILGRIM HEALTH CARE HMO BB BLUE | $26K | — | $26K | 2.88% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND REGION P.O. BOX 62937 VIRGINIA BEACH, VA 23466 | HARVARD PILGRIM HEALTH CARE HMO BB ORANGE | $8K | — | $8K | 2.88% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND REGION P.O. BOX 62937 VIRGINIA BEACH, VA 23466 | HARVARD PILGRIM HEALTH CARE HMO BB GREEN | $7K | — | $7K | 2.97% |
| USI INSURANCE SERVICES LLC3 | ATTN NEW ENGLAND P.O. BOX 62937 VIRGINIA BEACH, VA 23466 | DELTA DENTAL | $6K | $474 | $6K | 4.26% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND P.O. BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 5.66% |
| USI INSURANCE SERVICES LLC3 | 3805 WEST CHESTER PIKE, SUITE 200 NEWTOWN SQUARE, PA 19073 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 3.72% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND REGION P.O. BOX 62937 VIRGINIA BEACH, VA 23466 | HPHC PPO BB YELLOW | $802 | — | $802 | 2.91% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND REGION P.O. BOX 62937 VIRGINIA BEACH, VA 23466 | HARVARD PILGRIM HEALTH CARE HMO BB ORANGE/COB | $372 | — | $372 | 2.77% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND REGION P.O. BOX 62937 VIRGINIA BEACH, VA 23466 | HARVARD PILGRIM HEALTH CARE HMO BB BLUE/COB | $375 | — | $375 | 6.35% |
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 | 317 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | HARVARD PILGRIM HEALTH CARE HMO BB BLUE | 166 | $1.5M |
| Dental | DELTA DENTAL | 317 | $145K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 206 | $142K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 206 | $142K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 206 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.