| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | HARVARD PILGRIM HEALTH CARE | $30K | — | $30K | 1.36% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02210 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 1.36% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02210 | HARVARD PILGRIM HEALTH CARE | $480 | — | $480 | 0.16% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 333 WEST WACKER DRIVE SUITE 1950 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $5K | $20K | 17.72% |
| MICHAEL P TSOTSIS3 | 446 MAIN STREET WORCESTER, MA 01608 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | HARVARD PILGRIM HEALTH CARE | $141 | — | $141 | 1.28% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02210 | HARVARD PILGRIM HEALTH CARE | $17 | — | $17 | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | HARVARD PILGRIM HEALTH CARE | $88 | — | $88 | 1.24% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02210 | HARVARD PILGRIM HEALTH CARE | $11 | — | $11 | 0.15% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $590 | — | $590 | 8.68% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HARVARD PILGRIM HEALTH CARE | 363 | $2.5M |
| Vision | VISION SERVICE PLAN | 60 | $7K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $116K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $116K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $116K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.