| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | HARVARD PILGRIM HEALTH CARE | $47K | $0 | $47K | 2.30% |
| CROSS BENEFIT SOLUTIONS3 | 1100 EAST PUTNAM AVENUE RIVERSIDE, CT 06878 | HARVARD PILGRIM HEALTH CARE | $9K | $0 | $9K | 0.44% |
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $7K | $15K | 14.28% |
| CROSS BENEFIT SOLUTIONS3 | 1100 EAST PUTNAM AVENUE RIVERSIDE, CT 06878 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.00% |
| EASTERN BENEFITS GROUP3 Filed as: EASTERN BENEFITS GROUP LLC | PO BOX 400 WAKEFIELD, MA 01880 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $897 | $0 | $897 | 7.66% |
| CROSS BENEFIT SOLUTIONS3 | 287 LINDEN STREET WELLESLEY, MA 02482 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $292 | $0 | $292 | 2.50% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 309 | $2.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 193 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $102K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $102K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $102K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 309 | $2.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.