| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HRK BROKERAGE SERVICES LLC3 | 15 BERKSHIRE RD MANSFIELD, MA 02048 | HARVARD PILGRIM HEALTH CARE | $15K | — | $15K | 2.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 500 BOYLSTON ST 3RD FLR STE 300 BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $10 | — | $10 | 0.00% |
| HRK BROKERAGE SERVICES LLC3 | 15 BERKSHIRE RD MANSFIELD, MA 02048 | HARVARD PILGRIM HEALTH CARE | $7K | — | $7K | 2.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 500 BOYLSTON ST 3RD FL STE 300 BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $4 | — | $4 | 0.00% |
| HRK BROKERAGE SERVICES LLC3 | 15 BERKSHIRE RD MANSFIELD, MA 02048 | HPHC INSURANCE COMPANY | $4K | — | $4K | 2.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 500 BOYLSTON ST 3RD FL STE 300 BOSTON, MA 02116 | HPHC INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| HRK BROKERAGE SERVICES LLC3 | 15 BERKSHIRE RD MANSFIELD, MA 02048 | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 2.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 500 BOYLSTON STE 300 3RD FL BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $1 | — | $1 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 15 BERKSHIRE ROAD SUITE B MANSFIELD, MA 02048 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$9 | $2K | $2K | 4.42% |
| HRK BROKERAGE SERVICES LLC3 | 15 BERKSHIRE RD MANSFIELD, MA 02048 | HARVARD PILGRIM HEALTH CARE | $814 | — | $814 | 2.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 500 BOYLSTON ST 3RD FL STE 300 BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $1 | — | $1 | 0.00% |
| HRK BROKERAGE SERVICES LLC3 | 15 BERKSHIRE RD MANSFIELD, MA 02048 | HARVARD PILGRIM HEALTH CARE | $791 | — | $791 | 2.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 500 BOYLSTON ST 3RD FL STE 300 BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $1 | — | $1 | 0.00% |
| HRK BROKERAGE SERVICES LLC3 | 15 BERKSHIRE RD MANSFIELD, MA 02048 | HARVARD PILGRIM HEALTH CARE | $584 | — | $584 | 2.17% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP ON NEW ENGLAND | 15 BERKSHIRE ROAD SUITE B MANSFIELD, MA 02048 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$4 | $1K | $1K | 4.71% |
| HRK BROKERAGE SERVICES LLC3 | 15 BERKSHIRE RD MANSFIELD, MA 02048 | HPHC INSURANCE COMPANY | $379 | — | $379 | 2.17% |
| HRK BROKERAGE SERVICES LLC3 | 15 BERKSHIRE RD MANSFIELD, MA 02048 | HPHC INSURANCE COMPANY | $375 | — | $375 | 2.17% |
| HRK BROKERAGE SERVICES LLC3 | 15 BERKSHIRE RD MANSFIELD, MA 02048 | HPHC INSURANCE COMPANY | $302 | — | $302 | 2.03% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE HILD GROUP OF NEW ENGLAND | 15 BERKSHIRE ROAD SUITE B MANSFIELD, MA 02048 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $684 | — | $684 | 9.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11 | $399 | $410 | 5.90% |
| HRK BROKERAGE SERVICES LLC3 | 15 BERKSHIRE ROAD MANSFIELD, MA 02048 | VISION SERVICE PLAN | $93 | — | $93 | 9.99% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 97 | $1.4M |
| Vision | VISION SERVICE PLAN | 4 | $931 |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $7K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $38K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $23K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.