| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | HARVARD PILGRIM HEALTH CARE, INC. | $54K | $0 | $54K | 1.31% |
| THORBAHN & ASSOCIATES3 | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE, INC. | $103 | $0 | $103 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | HARVARD PILGRIM HEALTH CARE, INC. | $9K | $0 | $9K | 1.31% |
| THORBAHN & ASSOCIATES3 Filed as: THORBAHN & ASSOCIATES INSURANCE | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE, INC. | $17 | $0 | $17 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $19K | $0 | $19K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | HARVARD PILGRIM HEALTH CARE, INC. | $4K | $0 | $4K | 1.31% |
| THORBAHN & ASSOCIATES3 Filed as: THORBAHN & ASSOCIATES INSURANCE | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE, INC. | $7 | $0 | $7 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | HARVARD PILGRIM HEALTH CARE, INC. | $311 | $0 | $311 | 1.31% |
| THORBAHN & ASSOCIATES3 Filed as: THORBAHN & ASSOCIATES INSURANCE | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE, INC. | $1 | $0 | $1 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $686 | $0 | $686 | 10.00% |
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 | 436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HARVARD PILGRIM HEALTH CARE, INC. | 444 | $5.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 373 | $371K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 512 | $105K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 432 | $69K |
| Other(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE, INC. | 512 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.