| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA GROUP BENEFITS LLC | 306 MAIN STREET THE DAY BUILDING WORCESTER, MA 01608 | HARVARD PILGRIM HEALTH CARE | $13K | $3K | $16K | 1.19% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP, AN ALERA GROUP AGENCY | 500 FAUNCE CORNER ROAD BUILDING 100, SUITE 120 DARTMOUTH, MA 02747 | HARVARD PILGRIM HEALTH CARE | $6K | $0 | $6K | 0.43% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS PARTNERS, INC | 330 COCHITUATE RD UNIT 761 FRAMINGHAM, MA 01701 | HARVARD PILGRIM HEALTH CARE | $3K | $0 | $3K | 0.22% |
| IMA, INC.3 Filed as: IMA GROUP BENEFITS LLC | 306 MAIN STREET THE DAY BUILDING WORCESTER, MA 01608 | HARVARD PILGRIM HEALTH CARE | $8K | $2K | $10K | 1.27% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP, AN ALERA GROUP AGENCY | 500 FAUNCE CORNER ROAD BUILDING 100, SUITE 120 DARTMOUTH, MA 02747 | HARVARD PILGRIM HEALTH CARE | $4K | $0 | $4K | 0.48% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS PARTNERS, INC | 330 COCHITUATE RD UNIT 761 FRAMINGHAM, MA 01701 | HARVARD PILGRIM HEALTH CARE | $2K | $0 | $2K | 0.25% |
| IMA, INC.3 Filed as: IMA GROUP BENEFITS, LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $5K | $0 | $5K | 2.69% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $1K | $0 | $1K | 0.67% |
| IMA, INC.3 Filed as: IMA GROUP BENEFITS LLC | 306 MAIN STREET THE DAY BUILDING WORCESTER, MA 01608 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 11.05% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP AN ALERA GROUP AGENCY | 500 FAUNCE CORNER ROAD BLDG 100 STE 120 DARTMOUTH, MA 02747 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $289 | $4K | 3.95% |
| IMA, INC.3 Filed as: IMA GROUP BENEFITS LLC | 306 MAIN STREET WORCESTER, MA 01608 | VISION SERVICE PLAN | $795 | $0 | $795 | 4.65% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 500 FAUNCE CORNER ROAD BUILDING 100 DARTMOUTH, MA 02747 | VISION SERVICE PLAN | $206 | $0 | $206 | 1.20% |
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 | 410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 168 | $2.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 284 | $170K |
| Vision | VISION SERVICE PLAN | 130 | $17K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $103K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $103K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $103K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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."
No prospect flags tripped on this filing.