| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC. | 5 CRYSTAL POND ROAD SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | $17K | $0 | $17K | 0.82% |
| ANTHONY F. CORDEIRO INS. AGENCY3 Filed as: ANTHONY F. CORDEIRO INS. AGENCY LLC | 171 PLEASANT STREET FALL RIVER, MA 02721 | HARVARD PILGRIM HEALTH CARE | $6K | $0 | $6K | 0.27% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 5.58% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC. | 5 CRYSTAL POND ROAD SOUTHBOROUGH, MA 01772 | THE GUARDIAN LIFE INSURANCE COMPANY | $10K | $4K | $15K | 5.38% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | THE GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.00% |
| READ INSURANCE & FINANCIAL SERVICES3 | PO BOX 789 ASSONET, MA 02702 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 5.14% |
| J KING INSURANCE INC3 Filed as: J. KING INSURANCE, INC. | 333 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $493 | $2K | 2.90% |
| THERESA CATHERINE MACMILLAN3 | 650 EAST GREENWICH AVENUE WEST WARWICK, RI 02893 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $23 | $2K | 2.45% |
| LAURIE SEUBERT3 | 333 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $906 | $176 | $1K | 1.40% |
| JAMES R SMITH INSURANCE LTD3 Filed as: JAMES R. SMITH INSURANCE, LTD | 333 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $400 | $270 | $670 | 0.87% |
| MJ INSURANCE3 Filed as: JAMES R. SMITH AND VARIOUS AGENTS | 333 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $491 | $13 | $504 | 0.65% |
| ALEXANDER JEFFREY SEUBERT3 | 480 ATLANTIC AVENUE WARWICK, RI 02888 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $374 | $47 | $421 | 0.54% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC. | 120 LONGWATER DRIVE, SUITE 102 NORWELL, MA 02061 | DEARBORN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 20.00% |
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 | 566 | 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) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 345 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 566 | $269K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 566 | $269K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 566 | $295K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 51 | $25K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 566 | $269K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 345 | $2.1M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 566 | $372K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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."
No prospect flags tripped on this filing.