| 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 | $16K | — | $16K | 1.22% |
| THE CLAUSEN FINANCIAL GROUP3 | LUCIER, MARK B 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE | $12K | — | $12K | 0.96% |
| THE CLAUSEN FINANCIAL GROUP3 | CLAUSEN, DAVID A 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 1.22% |
| THE CLAUSEN FINANCIAL GROUP3 | LUCIER, MARK B 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE | $7K | — | $7K | 0.96% |
| THE CLAUSEN FINANCIAL GROUP3 | CLAUSEN, DAVID A 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE | $8K | — | $8K | 1.21% |
| THE CLAUSEN FINANCIAL GROUP3 | LUCIER, MARK B 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 0.96% |
| THE CLAUSEN FINANCIAL GROUP3 | CLAUSEN, DAVID A 52 PICKERING STREET NEEDHAM, MA 02492 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $4K | $156 | $4K | 1.87% |
| THE CLAUSEN FINANCIAL GROUP3 | LUCIER, MARK 52 PICKERING STREET NEEDHAM, MA 02492 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $3K | — | $3K | 1.20% |
| THE CLAUSEN FINANCIAL GROUP3 Filed as: CLAUSEN, DAVID A | THE CLAUSEN FINANCIAL GROUP 43 DWHINDA RD WABAN, MA 02468 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.44% |
| LUCIER, MARK B3 | 52 PICKERING ST NEEDHAM, MA 02492 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.44% |
| THE CLAUSEN FINANCIAL GROUP3 | CLAUSEN, DAVID A 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE | $456 | — | $456 | 1.22% |
| THE CLAUSEN FINANCIAL GROUP3 | LUCIER, MARK B 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE | $359 | — | $359 | 0.96% |
| THE CLAUSEN FINANCIAL GROUP3 | CLAUSEN, DAVID A 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE | $149 | — | $149 | 1.22% |
| THE CLAUSEN FINANCIAL GROUP3 | LUCIER, MARK B 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE | $117 | — | $117 | 0.96% |
| THE CLAUSEN FINANCIAL GROUP3 | CLAUSEN, DAVID A 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE | $39 | — | $39 | 1.21% |
| THE CLAUSEN FINANCIAL GROUP3 | LUCIER, MARK B 52 PICKERING STREET NEEDHAM, MA 02492 | HARVARD PILGRIM HEALTH CARE | $31 | — | $31 | 0.96% |
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 | 302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | HARVARD PILGRIM HEALTH CARE | 202 | $2.8M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 414 | $228K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 302 | $118K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 302 | $118K |
| Other(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 302 | $916K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.