| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP, INC. | 120 LONGWATER DRIVE NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE | $29K | $0 | $29K | 2.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 1 PENN PLAZA SUITE 1805 NEW YORK, NY 10119 | HARVARD PILGRIM HEALTH CARE | $207 | $0 | $207 | 0.01% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC. | 120 LONGWATER DRIVE SOUTHBOROUGH, MA 01772 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 10.00% |
| R FINE & R FINE INS LLC3 | 370 MAIN ST STE 1025 WORCESTER, MA 01608 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $196 | $0 | $196 | 0.20% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP, INC. | 120 LONGWATER DRIVE NORWELL, MA 02061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.47% |
| JOE PULITANO AGENCY, INC.3 | 313 WASHINGTON STREET STE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.82% |
| DEREK MIELE3 | 313 WASHINGTON STREET STE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.61% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP, INC. | 120 LONGWATER DRIVE NORWELL, MA 02061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.27% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP, INC. | 120 LONGWATER DRIVE NORWELL, MA 02061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.62% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP, INC. | 93 LONGWATER CIRCLE NORWELL, MA 02061 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $971 | $0 | $971 | 9.99% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 209 | $1.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $98K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 172 | $10K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $15K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $72K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $47K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 209 | $1.4M |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 153 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.