| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | HARVARD PILGRIM HEALTH CARE | $52K | $0 | $52K | 1.00% |
| BP BENEFITS, LLC3 | 160 GOULD STREET #310 NEEDHAM, MA 02494 | HARVARD PILGRIM HEALTH CARE | $20K | $0 | $20K | 0.39% |
| BULFINCH GROUP INSURANCE AGENCY3 | 160 GOULD STREET #310 NEEDHAM, MA 02494 | HARVARD PILGRIM HEALTH CARE | $79 | $0 | $79 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 1.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 1.18% |
| DOUGLAS S HALL3 | 118 GREENACRE ROAD WESTWOOD, MA 02050 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE, 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $1K | $0 | $1K | 13.42% |
| BULFINCH GROUP INSURANCE AGENCY3 Filed as: BULFINCH GROUP INSURANCE AGENCY LLC | 160 GOULD STREET, SUITE 310 NEEDHAM, MA 02494 | EYEMED VISION CARE | $480 | $0 | $480 | 5.96% |
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 | 566 | 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) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 448 | $5.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 566 | $707K |
| Vision | EYEMED VISION CARE | 337 | $8K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 566 | $707K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 566 | $707K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 566 | $707K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 448 | $5.2M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 566 | $707K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.