| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | HARVARD PILGRIM HEALTH CARE INC. | $36K | — | $36K | 0.97% |
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | HARVARD PILGRIM HEALTH CARE | $15K | — | $15K | 0.95% |
| EASTERN INSURANCE GROUP LLC3 | ATTN BILLING DEPARTMENT - BENEFITS P.O. BOX 4000 WAKEFIELD, MA 01880 | DELTA DENTAL OF MASSACHUSETTS | $5K | — | $5K | 1.59% |
| BURGIN PLATNER HURLEY INSURANCE3 Filed as: BURGIN PLANTER HURLEY INSUR. AGENCY | 14 FRANKLIN STREET QUINCY, MA 02169 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 7.92% |
| MICHAEL P TSOTSIS3 | 466 MAIN STREET 14TH FLOOR WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 3.96% |
| KEVIN MCGRATH3 | 200 CLARENDON STREET 19TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 3.96% |
| BURGIN PLATNER HURLEY INSURANCE3 Filed as: BURGIN PLATNER HURLEY INS | 14 FRANKLIN STREET QUINCY, MA 02169 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.95% |
| DAVID BOWEN3 | 8 MARK LANE MILTON, MA 02186 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.05% |
| EASTERN INSURANCE GROUP LLC3 | ATTN BENEFITS DEPARTMENT - READING P.O. BOX 4000 WAKEFIELD, MA 01880 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 3.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BOSTONIAN GROUP INS AGENCY INC | 500 BOYLSTON ST STE 300 BOSTON, MA 021163791 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 23.81% |
| RICHARD A ST JEAN3 Filed as: RICHARD A ST JEAN JR | 101 FEDERAL ST STE 800 BOSTON, MA 021102038 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $2K | $2K | 20.03% |
| EASTERN INSURANCE GROUP LLC3 | 233 W CENTAL ST NATICK, MA 017603757 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $21 | — | $21 | 0.24% |
| TERRENCE P MCMAHON3 | 43 CONSTITUTION DR. BEDFORD, NH 031106083 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO. OF MASS. | 1900 CROWN COLONY DR, SUITE 300 QUINCY, MA 02169 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $171 | — | $171 | 4.66% |
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 | 278 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MASSACHUSETTS | 666 | $309K |
| Long-term disability(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 278 | $141K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 314 | $479K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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.