| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | HARVARD PILGRIM HEALTH CARE | $40K | $0 | $40K | 1.83% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | HARVARD PILGRIM HEALTH CARE | $11K | $0 | $11K | 0.48% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | DELTA DENTAL OF MASSACHUSETTS, INC. | $4K | $0 | $4K | 2.89% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | DELTA DENTAL OF MASSACHUSETTS, INC. | $2K | $0 | $2K | 1.31% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 7.83% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $311 | $0 | $311 | 2.25% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $455 | $111 | $566 | 13.45% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $74 | $128 | $202 | 7.04% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY, SUITE 100 WAKEFIELD, MA 01880 | PRINCIPAL LIFE INSURANCE COMPANY | $178 | $0 | $178 | 6.21% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $143 | $0 | $143 | 4.99% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 207 | $2.2M |
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. | 266 | $134K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 190 | $14K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $132K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $125K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 207 | $2.2M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.