| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CLAUSEN FINANCIAL GROUP3 Filed as: CLAUSEN FINANCIAL GROUP | DAVID CLAUSEN 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE INC | $10K | — | $10K | 1.05% |
| THE CLAUSEN FINANCIAL GROUP3 Filed as: CLAUSEN FINANCIAL GROUP | MARK LUCIER 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE INC | $7K | — | $7K | 0.70% |
| THE CLAUSEN FINANCIAL GROUP3 Filed as: CLAUSEN FINANCIAL GROUP | DAVID CLAUSEN 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE INC | $7K | — | $7K | 1.05% |
| THE CLAUSEN FINANCIAL GROUP3 Filed as: CLAUSEN FINANCIAL | MARK LUCIER 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE INC | $5K | — | $5K | 0.70% |
| THE CLAUSEN FINANCIAL GROUP3 Filed as: CLAUSEN FINANCIAL GROUP | DAVID CLAUSEN 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE INC. | $7K | — | $7K | 1.05% |
| THE CLAUSEN FINANCIAL GROUP3 Filed as: CLAUSEN FINANCIAL GROUP | MARK LUCIER 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE INC. | $4K | — | $4K | 0.70% |
| THE CLAUSEN FINANCIAL GROUP3 Filed as: CLAUSEN FINANCIAL GROUP | DAVID A CLAUSEN 52 PICKERING STREET NEEDHAM, MA 02492 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $4K | $246 | $4K | 1.90% |
| THE CLAUSEN FINANCIAL GROUP3 Filed as: CLAUSEN FINANCIAL GROUP | MARK LUCIER 52 PICKERING STREET NEEDHAM, MA 02492 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $3K | — | $3K | 1.40% |
| THE CLAUSEN FINANCIAL GROUP3 Filed as: CLAUSEN, DAVID A | THE CLAUSEN FINANCIAL GROUP 52 PICKERING ST NEEDHAM, MA 02492 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.22% |
| LUCIER, MARK B3 | THE CLAUSEN FINANCIAL GROUP 52 PICKERING ST NEEDHAM, MA 02492 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.22% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTH CARE INC | 175 | $2.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 606 | $208K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $86K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $86K |
| Other(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE INC. | 236 | $731K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 606 | — |
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.