| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: KATHERINE HENRY-NFP CORPORATE SERV | 340 MADISON AVE-21ST FLOOR NEW YORK, NY 10173 | MASS GENERAL BRIGHAM HEALTH PLAN | $71K | — | $71K | 1.02% |
| RSC INSURANCE BROKERAGE INC3 Filed as: JOHN GREENBAUM, RSC INS. BROKERAGE | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | MASS GENERAL BRIGHAM HEALTH PLAN | $66K | — | $66K | 0.95% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 2.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MA) LLC | 141 LONGWATER DR STE 101 NORWELL, MA 02061 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 1.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE - 21ST FLOOR NEW YORK, NY 10173 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 8.34% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST-4TH FLOOR BOSTON, MA 02110 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 4.42% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $90 | $90 | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $2K | — | $2K | 6.54% |
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 | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 142 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MASS GENERAL BRIGHAM HEALTH PLAN | 357 | $7.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 802 | $238K |
| Vision | EYEMED VISION CARE | 277 | $24K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 499 | $217K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 499 | $217K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 499 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 802 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.