| 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 | $29K | — | $29K | 1.11% |
| DIGTIAL INSURANCE AGENCY, INC.3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTH CARE | $16K | — | $16K | 0.61% |
| 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 | $10K | — | $10K | 1.11% |
| DIGTIAL INSURANCE AGENCY, INC.3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTH CARE | $5K | — | $5K | 0.61% |
| 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 | $7K | — | $7K | 1.11% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 0.61% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | GUARDIAN | $23K | — | $23K | 5.79% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND MEDICAL INS. AGENCY LLC | 11 SUMMER STREET, STE 6 CHELMSFORD, MA 01824 | GUARDIAN | $14K | — | $14K | 3.62% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $7K | $4K | $11K | 2.82% |
| 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 | $4K | — | $4K | 1.11% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 0.61% |
| 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 | $504 | — | $504 | 1.11% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTH CARE | $275 | — | $275 | 0.61% |
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 | 543 | 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) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 545 | $399K |
| Vision | GUARDIAN | 545 | $399K |
| Life insurance | GUARDIAN | 545 | $399K |
| Short-term disability | GUARDIAN | 545 | $399K |
| Long-term disability | GUARDIAN | 545 | $399K |
| Other | GUARDIAN | 545 | $399K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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.