| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | AN ALERA GROUP AGENCY LLC 120 LONGWATER DRIVE STE 102 NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE | $21K | $0 | $21K | 1.50% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | HARVARD PILGRIM HEALTH CARE | $5K | $0 | $5K | 0.33% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | AN ALERA GROUP AGENCY 120 LONGWATER DR STE 102 NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE | $13K | $0 | $13K | 1.51% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | HARVARD PILGRIM HEALTH CARE | $3K | $0 | $3K | 0.33% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | STANDARD INSURANCE COMPANY | $44.1M | $0 | $44.1M | 31398.17% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DR STE 102 NORWELL, MA 02061 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 1.93% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | AN ALERA GROUP AGENCY LLC 120 LONGWATER DRIVE STE 102 NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE | $1K | $0 | $1K | 1.50% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | HARVARD PILGRIM HEALTH CARE | $286 | $0 | $286 | 0.33% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | COMPREHENSIVE BENEFIT ADMINISTRATOR NORWELL, MA 02061 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 12.06% |
| INDIGO INSURANCE SERVICES3 | INDIGO INSURANCE SERVICES BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 7.00% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DRIVE STE 102 NORWELL, MA 02061 | EYEMED VISION CARE | $2K | $0 | $2K | 11.52% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTH CARE | 183 | $2.4M |
| Dental | STANDARD INSURANCE COMPANY | 151 | $141K |
| Vision(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 247 | $157K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 197 | $47K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 197 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.