| 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 | $183K | $0 | $183K | 1.20% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY, LLC | 17 MILK STREET, SUITE 310 BOSTON, MA 02109 | HARVARD PILGRIM HEALTH CARE | $244 | $0 | $244 | 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 | 2.19% |
| 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 | $43K | $18K | $61K | 7.10% |
| 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 | $33K | $7K | $40K | 12.09% |
| 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 | $17K | $4K | $21K | 12.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 141 LONGWATER DRIVE, SUITE 101 NORWELL, MA 02061 | HM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 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 | $15K | $1K | $16K | 24.05% |
| 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 | $0 | $3K | 10.91% |
| AGS BENEFITS GROUP LLC3 | 420 LEXINGTON AVE STE 531 NEW YORK, NY 10173 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $663 | $663 | 2.64% |
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 | 1,763 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,783 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 2,369 | $15.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 2,467 | $1.2M |
| Vision | HM LIFE INSURANCE COMPANY | 1,480 | $158K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,283 | $171K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,763 | $860K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,286 | $329K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 2,369 | $15.2M |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,283 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,467 | — |
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.