| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP | 1700 POST ROAD, SUITE B-1 FAIRFIELD, CT 06824 | HARVARD PILGRIM HEALTH CARE | $18K | — | $18K | 2.73% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD,STE 3001 WARWICK, RI 02886 | HARVARD PILGRIM HEALTH CARE | $11K | — | $11K | 1.63% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY WEST - SUITE 215 FAIRFIELD, CT 06824 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $24K | — | $24K | 3.73% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP | 1700 POST ROAD, SUITE B-1 FAIRFIELD, CT 06824 | HARVARD PILGRIM HEALTH CARE | $8K | — | $8K | 2.78% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD STE 3001 WARWICK, RI 02886 | HARVARD PILGRIM HEALTH CARE | $5K | — | $5K | 1.67% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP | 1700 POST ROAD, SUITE B-1 FAIRFIELD, CT 06824 | HARVARD PILGRIM HEALTH CARE | $5K | — | $5K | 2.74% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD STE 3001 WARWICK, RI 02886 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 1.64% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST - SUITE 215 FAIRFIELD, CT 06824 | TUFTS INSURANCE COMPANY | $6K | — | $6K | 3.78% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP | 1700 POST ROAD, SUITE B-1 FAIRFIELD, CT 06824 | ALTUS DENTAL INSURANCE COMPANY, INC | $6K | — | $6K | 5.83% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD STE 3001 WARWICK, RI 02886 | ALTUS DENTAL INSURANCE COMPANY, INC | $5K | — | $5K | 4.17% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP LLC | 1375 KINGS HIGHWAY EAST - SUITE 215 FAIRFIELD, CT 06824 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.78% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE. -SUITE 1100 CHICAGO, IL 60603 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $58 | $58 | 0.07% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP | 1700 POST ROAD, SUITE B-1 FAIRFIELD, CT 06824 | HARVARD PILGRIM HEALTH CARE | $334 | — | $334 | 2.92% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD STE 3001 WARWICK, RI 02886 | HARVARD PILGRIM HEALTH CARE | $200 | — | $200 | 1.75% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP | 1700 POST ROAD, SUITE B-1 FAIRFIELD, CT 06824 | HARVARD PILGRIM HEALTH CARE | $118 | — | $118 | 4.11% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD - STE 3001 WARWICK, RI 02886 | HARVARD PILGRIM HEALTH CARE | $71 | — | $71 | 2.47% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | HARVARD PILGRIM HEALTH CARE | 244 | $1.9M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC | 231 | $110K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 154 | $79K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 154 | $79K |
| Other | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 154 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.