| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 Filed as: CLARK& LAVEY BENEFITS SOLUTIONS INC | 7 HENRY CLAY DRIVE MERRIMACK, NH 03054 | HARVARD PILGRIM HEALTH CARE | $36K | $0 | $36K | 2.85% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 255 WASHINGTON STREET NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE | $5K | $0 | $5K | 0.40% |
| CLARK INSURANCE3 Filed as: CLARK& LAVEY BENEFITS SOLUTIONS INC | 7 HENRY CLAY DRIVE MERRIMACK, NH 03054 | HARVARD PILGRIM HEALTH CARE | $9K | $0 | $9K | 2.85% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 255 WASHINGTON STREET NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE | $1K | $0 | $1K | 0.40% |
| CLARK INSURANCE3 Filed as: CLARK& LAVEY BENEFITS SOLUTIONS INC | 7 HENRY CLAY DRIVE MERRIMACK, NH 03054 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.38% |
| CLARK INSURANCE3 Filed as: CLARK& LAVEY BENEFITS SOLUTIONS INC | 7 HENRY CLAY DRIVE MERRIMACK, NH 03054 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.95% |
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 | 235 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 224 | $1.6M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $22K |
| Prescription drug(2 contracts) | HARVARD PILGRIM HEALTH CARE | 224 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.