| 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 | 1.77% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 7.63% |
| AXA ASSISTANCE, USA3 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $51 | $51 | 0.04% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | UNION SECURITY INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| PERRYVILLE MARKETING ASSOCIATES LLC3 | PO BOX 171 REHOBOTH, MA 02769 | TRANSAMERICA LIFE INSURANCE COMPANY | $672 | $0 | $672 | 4.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | TRANSAMERICA LIFE INSURANCE COMPANY | $456 | $0 | $456 | 3.21% |
| SWETT & CRAWFORD OF GEORGIA INC3 Filed as: SWETT AND CRAWFORD OF GEORGIA INC | 3350 RIVERWOOD PKWY SE STE 1100 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $306 | $0 | $306 | 2.15% |
| COMPREHENSIVE INSURANCE PROVIDERS3 | 799 CAMBRIDGE STREET CAMBRIDGE, MA 02141 | TRANSAMERICA LIFE INSURANCE COMPANY | $43 | $0 | $43 | 0.30% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL R SLADE SR | 3350 RIVERWOOD PARKWAY SE STE 1100 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.08% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.88% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 231 | $1.6M |
| Dental | UNION SECURITY INSURANCE COMPANY | 105 | $105K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 210 | $13K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 150 | $132K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 150 | $118K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 150 | $118K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 231 | $1.6M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 150 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.