| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL INSURANCE AGENCY | — | HARVARD PILGRIM HEALTH CARE | $22K | — | $22K | 2.28% |
| ERIC BROGAN Filed as: ERIC GULKO | — | HARVARD PILGRIM HEALTH CARE | $1K | $0 | $1K | 0.14% |
| ROBERT G. RELPH AGENCY, INC. Filed as: ROBERT H KALISH | — | HARVARD PILGRIM HEALTH CARE | $283 | $0 | $283 | 0.03% |
| SUMMIT FINANCIAL INSURANCE AGENCY Filed as: SUMMIT FINANCIAL INS AGENCY INC | — | DELTA DENTAL OF MASSACHUSETTS | $4K | $0 | $4K | 4.34% |
| SUMMIT FINANCIAL INSURANCE AGENCY Filed as: SUMMIT FINANCIAL INS AGENCY INC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.43% |
| ERIC BROGAN Filed as: ERIC GULKO | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $349 | $0 | $349 | 0.97% |
| SUMMIT FINANCIAL INSURANCE AGENCY Filed as: SUMMIT FINANCIAL INS AGENCY INC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.03% |
| ERIC BROGAN Filed as: ERIC GULKO | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $245 | $0 | $245 | 0.97% |
| SUMMIT FINANCIAL INSURANCE AGENCY Filed as: SUMMIT FINANCIAL INS AGENCY INC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.96% |
| ERIC BROGAN Filed as: ERIC GULKO | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $282 | $0 | $282 | 1.20% |
| SUMMIT FINANCIAL INSURANCE AGENCY Filed as: SUMMIT FINANCIAL INS AGENCY INC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $612 | $0 | $612 | 9.20% |
| ERIC BROGAN Filed as: ERIC GULKO | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53 | $0 | $53 | 0.80% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 176 | $985K |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 162 | $83K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 56 | $7K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $36K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 84 | $25K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.