| 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 | $79K | $0 | $79K | 1.19% |
| THORBAHN & ASSOC INSURANCE AGENCY3 | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | HARVARD PILGRIM HEALTH CARE | $104 | $0 | $104 | 0.00% |
| BP BENEFITS, LLC3 Filed as: BP BENEFITS LLC | — | HARVARD PILGRIM HEALTH CARE | $12 | $0 | $12 | 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 | $37K | $0 | $37K | 3.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SER INC | 707 WESTCHESTER AVE WHITE PLAINS, NY 10604 | ARAG INSURANCE COMPANY | $1K | $0 | $1K | 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 | 629 | 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) | 629 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 1,040 | $6.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 629 | $994K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 629 | $994K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 629 | $994K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 629 | $994K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 1,040 | $6.6M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 629 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,040 | — |
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.