| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | HARVARD PILGRIM HEALTH CARE | $38K | $19K | $57K | 2.61% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTH CARE | -$50 | $0 | -$50 | -0.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | HPHC JOINT VENTURE UHG | $4K | $2K | $6K | 2.70% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HPHC JOINT VENTURE UHG | -$5 | $0 | -$5 | -0.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 980 WASHINGTON STREET DEDHAM, MA 02026 | ALTUS DENTAL INSURANCE COMPANY, INC. | $7K | $0 | $7K | 4.10% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 980-990 WASHINGTON STREET 3RD FLOOR DEDHAM, MA 02026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 10.60% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 980 WASHINGTON STREET, SUITE 325 DEDHAM, MA 02026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.65% |
| BARBARA BURKE4 | 980 WASHINGTON STREET, SUITE 325 DEDHAM, MA 02026 | DOMINION NATIONAL | $2K | $0 | $2K | 9.17% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 980 WASHINGTON STREET, SUITE 325 DEDHAM, MA 02026 | METROPOLITAN GENERAL INSURANCE COMPANY | $468 | $0 | $468 | 10.00% |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 310 | $2.4M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 376 | $170K |
| Vision | DOMINION NATIONAL | 169 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 353 | $153K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 353 | $153K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 310 | $2.4M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 353 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.