| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CLAUSEN FINANCIAL GROUP3 | CLAUSEN, DAVID A 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE | $14K | — | $14K | 1.13% |
| THE CLAUSEN FINANCIAL GROUP3 | LUCIER, MARK B 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE | $11K | — | $11K | 0.90% |
| THE CLAUSEN FINANCIAL GROUP3 | CLAUSEN, DAVID A 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE | $8K | — | $8K | 1.13% |
| THE CLAUSEN FINANCIAL GROUP3 | LUCIER, MARK B 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 0.90% |
| THE CLAUSEN FINANCIAL GROUP3 | CLAUSEN, DAVID A 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE | $7K | — | $7K | 1.13% |
| THE CLAUSEN FINANCIAL GROUP3 | LUCIER, MARK B 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 0.90% |
| THE CLAUSEN FINANCIAL GROUP3 | CLAUSEN, DAVID A 52 PICKERING STREET NEEDHAM, MA 02492 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $4K | $175 | $4K | 1.99% |
| THE CLAUSEN FINANCIAL GROUP3 | LUCIER, MARK 52 PICKERING STREET NEEDHAM, MA 02492 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $3K | — | $3K | 1.19% |
| 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 | 3.79% |
| LUCIER, MARK B3 | 52 PICKERING ST NEEDHAM, MA 02492 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.79% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTH CARE | 205 | $2.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 426 | $225K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $104K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $104K |
| Other(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 284 | $815K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.