| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEAIGHTS, IL 600063009 | HARVARD PILGRIM HEALTH CARE | $26K | $17K | $43K | 1.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEAIGHTS, IL 600063009 | HARVARD PILGRIM HEALTH CARE | $21K | $14K | $36K | 1.06% |
| BURGIN PLATNER HURLEY INSURANCE3 Filed as: BURGIN PLATNER HURLEY INS | 14 FRANKLIN STREET QUINCY, MA 02169 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.13% |
| DAVID M BOWEN3 | 552 VICTORY ROAD APT 523 QUINCY, MA 02171 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.13% |
| BURGIN PLATNER HURLEY INSURANCE3 | 14 FRANKLIN STREET QUINCY, MA 02169 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 7.50% |
| TSOTSIS, MICHAEL P3 | 91 BRINTAL DRIVE RUTLAND, MA 01543 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.75% |
| MCGRATH, KEVIN C3 | 1 INDIAN ROCK LANE HINGHAM, MA 02043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $5K | $2K | $7K | 5.61% |
| 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 | $857 | — | $857 | 8.74% |
| RICHARD A ST JEAN3 | 280 CONGRESS ST STE 1300 BOSTON, MA 022101004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $245 | $390 | $635 | 6.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO OF MA | 1900 CROWN COLONY DR STE 300 QUINCY, MA 02269 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 2.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MASSACHUSETTS | $4K | — | $4K | — |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MASSACHUSETTS | 624 | $0 |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 264 | $195K |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 258 | $133K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 272 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 624 | — |
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.