| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 | — | HARVARD PILGRIM HEALTH CARE | $18K | — | $18K | 0.50% |
| EASTERN INSURANCE GROUP LLC3 | — | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 0.51% |
| BURGIN PLATNER HURLEY INSURANCE3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 7.48% |
| TSOTSIS, MICHAEL P3 | 446 MAIN ST 14TH FLOOR WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 3.74% |
| MCGRATH INSURANCE GROUP INC3 Filed as: MCGRATH, KEVIN | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 3.74% |
| EASTERN INSURANCE GROUP LLC3 | ATTN BILLING DEPARTMENT - BENEFITS P.O. BOX 4000 WAKEFIELD, MA 01880 | DELTA SERVICE OF MASSACHUSETTS | $2K | — | $2K | 1.04% |
| BURGIN PLATNER HURLEY INSURANCE3 Filed as: BURGIN PLATNER HURLEY INS | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.14% |
| DAVID BOWEN3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.65% |
| EASTERN INSURANCE GROUP LLC3 | ATT BENEFITS DEPT - READING PO BOX 4000 WAKEFIELD, MA 01880 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 3.86% |
| EASTERN INSURANCE GROUP LLC3 | ATT BENEFITS DEPT - READING PO BOX 4000 WAKEFIELD, MA 01880 | HARTFORD LIFE AND ACCIDENT | — | $370 | $370 | 0.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BOSTONIAN GROUP INS AGENCY INC | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $655 | — | $655 | 8.01% |
| RICHARD A ST JEAN3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $614 | — | $614 | 7.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO. OF MASS | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 4.63% |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA SERVICE OF MASSACHUSETTS | 668 | $239K |
| Long-term disability(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 277 | $141K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $465K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.