| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST-SUITE 215 FAIRFIELD, CT 06824 | HARVARD PILGRIM HEALTH CARE | $28K | — | $28K | 2.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF CONNECTICUT, INC | 55 CAPITAL BOULEVARD SUITE 102 ROCKY HILL, CT 060673927 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 0.75% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST-SUITE 215 FAIRFIELD, CT 06824 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 2.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CONNECTICUT, INC. | 55 CAPITAL BLVD ROCKY HILL, CT 06067 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 0.75% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST-SUITE 215 FAIRFIELD, CT 06824 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF CONNECTICUT, INC | 55 CAPITAL BOULEVARD SUITE 102 ROCKY HILL, CT 060673927 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $5K | $9K | 4.01% |
| 360 CORPORATE BENEFIT ADVISORS7 | 1375 KINGS HIGHWAY E - #215 FAIRFIELD, CT 06824 | EYEMED VISION CARE | $698 | — | $698 | 6.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF CONNECTICUT | 55 CAPITAL BOULEVARD SUITE 102 ROCKY HILL, CT 06037 | EYEMED VISION CARE | $367 | — | $367 | 3.49% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST-SUITE 215 FAIRFIELD, CT 06824 | HARVARD PILGRIM HEALTH CARE | $182 | — | $182 | 2.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CONNECTICUT, INC. | 55 CAPITAL BLVD. ROCKY HILL, CT 06067 | HARVARD PILGRIM HEALTH CARE | $61 | — | $61 | 0.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CONNECTICUT | 55 CAPITAL BLVD ROCKY HILL, CT 06067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $689 | — | $689 | 10.14% |
| BRYAN LAMBERT3 Filed as: BRYAN E. LAMBERT | 277 DARTMOUTH STREET - 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $66 | $323 | $389 | 5.72% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET - 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.97% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTH CARE | 268 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $229K |
| Vision | EYEMED VISION CARE | 128 | $11K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $236K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 24 | $7K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $229K |
| Prescription drug(3 contracts) | HARVARD PILGRIM HEALTH CARE | 268 | $1.5M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.