| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $14K | $3K | $16K | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $5K | $1K | $6K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HPHC INSURANCE COMPANY | $3K | $548 | $3K | 1.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 6.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $5K | $0 | $5K | 3.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $2K | $304 | $2K | 2.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $1K | $209 | $1K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $785 | $157 | $942 | 2.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $248 | $3K | 16.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | VISION SERVICE PLAN | $686 | $0 | $686 | 7.88% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 98 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 182 | $126K |
| Vision | VISION SERVICE PLAN | 38 | $9K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $168K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $148K |
| Prescription drug(6 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 98 | $1.6M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
No prospect flags tripped on this filing.