| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC BROGAN Filed as: ERIC GULKO | — | HARVARD PILGRIM HEALTH CARE | $26K | — | $26K | 2.21% |
| SUMMIT FINANCIAL INSURANCE AGENCY Filed as: SUMMIT FINANCIAL INSURANCE AGCY | — | HARVARD PILGRIM HEALTH CARE | $61 | — | $61 | 0.01% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC | — | DELTA DENTAL OF MA | $2K | — | $2K | 2.29% |
| ERIC BROGAN Filed as: ERIC GULKO | — | DELTA DENTAL OF MA | $1K | — | $1K | 1.63% |
| INDIGO INSURANCE SERVICES | — | USABLE LIFE | $7K | — | $7K | 20.00% |
| INDIGO INSURANCE SERVICES | — | USABLE LIFE | $6K | — | $6K | 20.17% |
| INDIGO INSURANCE SERVICES | — | USABLE LIFE | $5K | — | $5K | 20.00% |
| ERIC BROGAN Filed as: ERIC GULKO | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $790 | — | $790 | 10.00% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 188 | $1.2M |
| Dental | DELTA DENTAL OF MA | 173 | $90K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 106 | $8K |
| Life insurance | USABLE LIFE | 110 | $32K |
| Short-term disability | USABLE LIFE | 85 | $36K |
| Long-term disability | USABLE LIFE | 71 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.