| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO Filed as: NEW ENGLAND MEDICAL INS AGENCY LLC | 11 SUMMER STREET CHELMSFORD, MA 01824 | HARVARD PILGRIM HEALTH CARE | $54K | $6K | $61K | 3.35% |
| NEW ENGLAND EMPLOYEE BENEFITS CO Filed as: NEW ENGLAND MEDICAL INS AGENCY LLC | 11 SUMMER STREET CHELMSFORD, MA 01824 | HPHC JOINT VENTURE UHG | $54K | $6K | $60K | 3.35% |
| NEW ENGLAND EMPLOYEE BENEFITS CO Filed as: NEW ENGLAND MEDICAL INS AGENCY LLC | 11 SUMMER STREET CHELMSFORD, MA 01824 | HARVARD PILGRIM HEALTH CARE | $12K | $1K | $14K | 3.35% |
| FRANCIS P SHEA3 | 1 MERCANTILE ST STE 710 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| FRANCIS P SHEA3 | 1 MERCANTILE ST STE 710 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.89% |
| FRANCIS P SHEA3 | 1 MERCANTILE ST STE 710 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.58% |
| CHESTERFIELD INS AGY INC | 1 MERCANTILE STREET SUITE 710 WORCESTER, MA 01608 | THE GUARDIAN | $6K | — | $6K | 29.86% |
| NEW ENGLAND EMPLOYEE BENEFITS CO Filed as: NEW ENGLAND MEDICAL INS AGENCY LLC | 11 SUMMER STREET CHELMSFORD, MA 01824 | HARVARD PILGRIM HEALTH CARE | — | — | $0 | — |
| NEW ENGLAND EMPLOYEE BENEFITS CO Filed as: NEW ENGLAND MEDICAL INS AGENCY LLC | 11 SUMMER STREET CHELMSFORD, MA 01824 | HPHC JOINT VENTURE UHG | — | — | $0 | — |
| NEW ENGLAND EMPLOYEE BENEFITS CO Filed as: NEW ENGLAND MEDICAL INS AGENCY LLC | 11 SUMMER STREET CHELMSFORD, MA 01824 | HPHC JOINT VENTURE UHG | — | — | $0 | — |
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 | 282 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN | 0 | $21K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 282 | $184K |
| Short-term disability | THE GUARDIAN | 0 | $21K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 282 | $124K |
| Other(7 contracts, 4 carriers) | HPHC JOINT VENTURE UHG | 282 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.