| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | HARVARD PILGRIM HEALTH CARE | $158K | $0 | $158K | 1.10% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY, LLC | 17 MILK STREET, SUITE 310 BOSTON, MA 02109 | HARVARD PILGRIM HEALTH CARE | $581 | $0 | $581 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $27K | $0 | $27K | 2.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $40K | $0 | $40K | 4.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $30K | $0 | $30K | 9.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $15K | $25K | $40K | 24.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 141 LONGWATER DRIVE, SUITE 101 NORWELL, MA 02061 | HM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $6K | $48K | 75.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORAE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $3K | $116 | $4K | 10.42% |
| AGS BENEFITS GROUP LLC3 | 420 LEXINGTON AVE STE 531 NEW YORK, NY 10173 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $816 | $816 | 2.41% |
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 | 1,712 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,737 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 2,393 | $14.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 2,484 | $1.2M |
| Vision | HM LIFE INSURANCE COMPANY | 1,464 | $79K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,269 | $168K |
| Short-term disability(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,712 | $1.0M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,272 | $328K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 2,393 | $14.4M |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,269 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,484 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.