| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $29K | $5K | $35K | 1.53% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $6K | $1K | $7K | 1.56% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $4K | $760 | $5K | 1.51% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $2K | $382 | $2K | 1.36% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 4.36% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET SLOOR 4 BOSTON, MA 02110 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.71% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY CLEVELAND, OH 44143 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.16% |
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN STREET SUITE 450 IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $532 | $532 | 0.31% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE CTR II STE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $20K | $7K | $27K | 22.18% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $1K | $248 | $2K | 1.45% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $717 | $132 | $849 | 1.53% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $275 | $51 | $326 | 1.52% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $404 | $75 | $479 | 2.27% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts) | HARVARD PILGRIM HEALTH CARE | 343 | $3.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 370 | $169K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 370 | $169K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 313 | $121K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 313 | $121K |
| Other | HARTFORD LIFE AND ACCIDENT | 313 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.