| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND MEDICAL INS AGENCY LLC | 11 SUMMER STREET, STE 6 CHELMSFORD, MA 01824 | HARVARD PILGRIM HEALTH CARE | $50K | — | $50K | 1.88% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND MEDICAL INS AGENCY LLC | 11 SUMMER STREET, STE 6 CHELMSFORD, MA 01824 | HARVARD PILGRIM HEALTH CARE | $19K | — | $19K | 1.88% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND MEDICAL INS AGENCY LLC | 11 SUMMER STREET, STE 6 CHELMSFORD, MA 01824 | HARVARD PILGRIM HEALTH CARE | $11K | — | $11K | 1.88% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND MEDICAL INS. AGENCY LLC | 11 SUMMER STREET, STE 6 CHELMSFORD, MA 01824 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | $12K | $35K | 8.15% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND MEDICAL INS AGENCY LLC | 11 SUMMER STREET, STE 6 CHELMSFORD, MA 01824 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 1.88% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND MEDICAL INS AGENCY LLC | 11 SUMMER STREET, STE 6 CHELMSFORD, MA 01824 | HARVARD PILGRIM HEALTH CARE | $848 | — | $848 | 1.88% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND MEDICAL INS AGENCY LLC | 11 SUMMER STREET, STE 6 CHELMSFORD, MA 01824 | HARVARD PILGRIM HEALTH CARE | $12 | — | $12 | — |
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 | 511 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 768 | $424K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 768 | $424K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 768 | $424K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 768 | $424K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 768 | $424K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 768 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 768 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.