| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 333 ELM ST STE 300 DEDHAM, MA 02026 | HARVARD PILGRIM HEALTH CARE | $25K | — | $25K | 1.22% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 0.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 333 ELM ST STE 300 DEDHAM, MA 02026 | HARVARD PILGRIM HEALTH CARE | $16K | — | $16K | 1.22% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 0.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 181 WELLS AVE NEWTON CENTER, MA 02459 | DELTA DENTAL OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $5K | — | $5K | 1.50% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | DELTA DENTAL OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $1K | — | $1K | 0.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 333 ELM ST STE 300 DEDHAM, MA 02026 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 1.22% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 0.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA LLC | 333 ELM ST STE 300 DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $12K | 6.03% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $618 | $2K | 1.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA LLC | 333 ELM ST STE 300 DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $158 | $3K | 11.39% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $101 | $1K | 4.49% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $166 | $2K | 48.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 333 ELM ST STE 300 DEDHAM, MA 02026 | HARVARD PILGRIM HEALTH CARE | $49 | — | $49 | 1.21% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $17 | — | $17 | 0.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 333 ELM ST STE 300 DEDHAM, MA 02026 | HARVARD PILGRIM HEALTH CARE | $17 | — | $17 | 1.22% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $6 | — | $6 | 0.43% |
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 | 707 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 719 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | HARVARD PILGRIM HEALTH CARE | 465 | $3.7M |
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 777 | $326K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,189 | $207K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,189 | $207K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,189 | $207K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,189 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,189 | — |
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.