| 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 | $44K | — | $44K | 3.31% |
| HILB GROUP OF NEW ENGLAND3 | 1375 KINGS HIGHWAY EAST-SUITE 215 FAIRFIELD, CT 06824 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 0.66% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 1375 KINGS HIGHWAY EAST-SUITE 215 FAIRFIELD, CT 06824 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $11K | $22K | 8.40% |
| ENROLLEASE3 | 660 YORK STREET-SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.22% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD, SUITE 3001 WARWICK, RI 02886 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.15% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST-SUITE 215 FAIRFIELD, CT 06824 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 3.70% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 1375 KINGS HIGHWAY EAST-SUITE 215 FAIRFIELD, CT 06824 | HARVARD PILGRIM HEALTH CARE | $573 | — | $573 | 0.74% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP | 1375 KINGS HIGHWAY EAST-SUITE 215 FAIRFIELD, CT 06824 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 3.54% |
| HILB GROUP OF NEW ENGLAND3 | 1375 KINGS HIGHWAY EAST-SUITE 215 FAIRFIELD, CT 06824 | HARVARD PILGRIM HEALTH CARE | $368 | — | $368 | 0.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT | 55 CAPITAL BLVD - SUITE 102 ROCKY HILL, CT 06067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.93% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 1375 KINGS HWY E, SUITE 215 FAIRFIELD, CT 06824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $675 | — | $675 | 4.46% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY E - #215 FAIRFIELD, CT 06824 | EYEMED VISION CARE | $841 | — | $841 | 7.28% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP | 1375 KINGS HIGHWAY E - #215 FAIRFIELD, CT 06884 | EYEMED VISION CARE | $205 | — | $205 | 1.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CONNECTICUT | 55 CAPITAL BLVD - SUITE 102 ROCKY HILL, CT 06067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $473 | — | $473 | 8.45% |
| BRYAN LAMBERT3 | 783 WEBSTER STREET NEEDHAM, MA 02492 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 1.16% |
| JAMES MOORADIAN3 | 277 DARTMOUTH STREET-4TH FL BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 1.16% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 1375 KINGS HIGHWAY EAST-SUITE 215 FAIRFIELD, CT 06824 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.63% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTH CARE | 241 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $262K |
| Vision | EYEMED VISION CARE | 154 | $12K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $268K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 57 | $21K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $262K |
| Prescription drug(3 contracts) | HARVARD PILGRIM HEALTH CARE | 241 | $1.5M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.