| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 | — | HARVARD PILGRIM HEALTH CARE | — | $45K | $45K | 1.09% |
| EASTERN INSURANCE GROUP LLC3 | — | HARVARD PILGRIM HEALTH CARE | $34K | — | $34K | 0.82% |
| EASTERN INSURANCE GROUP LLC3 | — | HARVARD PILGRIM HEALTH CARE | — | $25K | $25K | 1.07% |
| EASTERN INSURANCE GROUP LLC3 | — | HARVARD PILGRIM HEALTH CARE | $19K | — | $19K | 0.81% |
| BURGIN PLATNER HURLEY INSURANCE3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 8.07% |
| TSOTSIS, MICHAEL P3 | 446 MAIN ST 14TH FLOOR WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.04% |
| MCGRATH INSURANCE GROUP INC3 Filed as: MCGRATH, KEVIN | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.04% |
| EASTERN INSURANCE GROUP LLC3 | ATTN BILLING DEPARTMENT - BENEFITS P.O. BOX 4000 WAKEFIELD, MA 01880 | DELTA DENTAL OF MASSACHUSETTS | $5K | — | $5K | 2.01% |
| BURGIN PLATNER HURLEY INSURANCE3 Filed as: BURGIN PLATNER HURLEY INS | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.23% |
| DAVID M BOWEN3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.23% |
| EASTERN INSURANCE GROUP LLC3 | ATT BENEFITS DEPT - READING PO BOX 4000 WAKEFIELD, MA 01880 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 3.89% |
| RICHARD A ST JEAN3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $205 | $0 | $205 | 2.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO. OF MASS | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 4.74% |
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 | 262 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MASSACHUSETTS | 652 | $246K |
| Long-term disability(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 262 | $141K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $476K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 652 | — |
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.