| 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 | $159K | $0 | $159K | 0.96% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY, LLC | 17 MILK STREET SUITE 310 BOSTON, MA 02109 | HARVARD PILGRIM HEALTH CARE | $329 | $0 | $329 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $27K | $0 | $27K | 2.18% |
| 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 | $42K | $17K | $59K | 7.03% |
| 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 | $33K | $7K | $39K | 12.00% |
| 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 | $3K | $20K | 12.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, 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 INSURANCE SERVICES - NORWELL | 141 LONGWATER DRIVE NORWELL, MA 02061 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | $0 | $4K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORAE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $3K | $282 | $3K | 11.01% |
| AGS BENEFITS GROUP LLC3 | 420 LEXINGTON AVENUE SUITE 531 NEW YORK, NY 10170 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $282 | $282 | 1.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES - NORWELL | 141 LONGWATER DRIVE NORWELL, MA 02061 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | $0 | $3K | 15.01% |
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 | 1,717 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 2,385 | $16.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 2,432 | $1.2M |
| Vision | HM LIFE INSURANCE COMPANY | 1,476 | $79K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,278 | $167K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,717 | $839K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,281 | $327K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 2,385 | $16.5M |
| Other(4 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,278 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,432 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.