| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | — | HARVARD PILGRIM HEALTH CARE | $14K | — | $14K | 0.67% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $10K | — | $10K | 0.45% |
| RISK STRATEGIES COMPANY3 | — | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 0.65% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 0.44% |
| RISK STRATEGIES COMPANY3 | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 0.66% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 0.44% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $6K | $13K | 7.46% |
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN STREET SUITE 450 IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 3.37% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET SLOOR 4 BOSTON, MA 02110 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.17% |
| RISK STRATEGIES COMPANY3 | — | HARVARD PILGRIM HEALTH CARE | $868 | — | $868 | 0.66% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $583 | — | $583 | 0.45% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 100 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $19K | $6K | $25K | 20.00% |
| RISK STRATEGIES COMPANY3 | — | HARVARD PILGRIM HEALTH CARE | $872 | — | $872 | 0.80% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $586 | — | $586 | 0.53% |
| RISK STRATEGIES COMPANY3 | — | HARVARD PILGRIM HEALTH CARE | $256 | — | $256 | 0.49% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $172 | — | $172 | 0.33% |
| RISK STRATEGIES COMPANY3 | — | HARVARD PILGRIM HEALTH CARE | $131 | — | $131 | 0.25% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $88 | — | $88 | 0.17% |
| RISK STRATEGIES COMPANY3 | — | HARVARD PILGRIM HEALTH CARE | $92 | — | $92 | 0.53% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $62 | — | $62 | 0.35% |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts) | HARVARD PILGRIM HEALTH CARE | 310 | $3.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 153 | $174K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 153 | $174K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 303 | $127K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 303 | $127K |
| Other | HARTFORD LIFE AND ACCIDENT | 303 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.