| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | HARVARD PILGRIM HEALTH CARE | $66K | $0 | $66K | 3.30% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $10K | $23K | 9.47% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 6.00% |
| READ INSURANCE & FINANCIAL SERVICES3 Filed as: READ INSURANCE AND FINANCIAL SVCS. | PO BOX 789 ASSONET, MA 02702 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.49% |
| J KING INSURANCE INC3 Filed as: J. KING INSURANCE, INC. | 50 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $412 | $1K | 2.91% |
| THERESA CATHERINE MACMILLAN3 | 650 EAST GREENWICH AVENUE WEST WARWICK, RI 02893 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $16 | $1K | 2.14% |
| LAURIE SEUBERT3 | 50 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $523 | $47 | $570 | 1.13% |
| 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 | $290 | $116 | $406 | 0.80% |
| MJ INSURANCE3 Filed as: JASON R. SMITH AND VARIOUS AGENTS | 50 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $299 | $0 | $299 | 0.59% |
| MICHAEL R ACKERMAN3 Filed as: MICHAEL R. ACKERMAN | 435 DEVON PARK DRIVE WAYNE, PA 19087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $236 | $18 | $254 | 0.50% |
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 | 462 | 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) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 261 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 462 | $247K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 462 | $247K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 462 | $247K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 462 | $247K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 261 | $2.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 462 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.