| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: RISK INSURANCE BROKERAGE | 160 FEDERAL ST., 4TH FL. BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 1.88% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST., 4TH FL. BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 1.29% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST., 4TH FL BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 2.00% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST., 4TH FL. BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 1.37% |
| EMERSON REID LLC3 | 1787 SENTRY PWY E VEVA 16 #320 BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $3K | $15K | 21.50% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST., 4TH FL. BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $780 | — | $780 | 1.91% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST., 4TH FL. BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $536 | — | $536 | 1.31% |
| RCS INSURANCE BROKERAGE, INC.3 | 160 FEDERAL ST., 4TH FL. BOSTON, MA 02110 | VISION SERVICE PLAN | $573 | — | $573 | 8.77% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | VISION SERVICE PLAN | $52 | — | $52 | 0.80% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTH CARE | 95 | $696K |
| Vision | VISION SERVICE PLAN | 63 | $7K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $70K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $70K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $70K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.