| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE HORIZON INSURANCE INC.3 Filed as: BLUE HORIZON BENEFITS | 491 MAPLE ST DANVERS, MA 01923 | HARVARD PILGRIM HEALTH CARE | $37K | — | $37K | 1.69% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 01923 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $5K | $19K | 7.16% |
| HPHC INSURANCE AGENCY, INC.3 Filed as: HPHC INSURANCE AGENCY INC | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 6.00% |
| READ INSURANCE & FINANCIAL SERVICES3 | PO BOX 789 ASSONET, MA 02702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $972 | — | $972 | 2.49% |
| J KING INSURANCE INC3 | THE ENROLLMENT NETWORK EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $753 | $83 | $836 | 2.14% |
| THERESA CATHERINE MACMILLAN3 | 650 E GREENWICH AVE APT 3-208 WEST WARWICK, RI 02893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $735 | $7 | $742 | 1.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 115 FEDERAL STREET BOSTON, MA 02210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $364 | $49 | $413 | 1.06% |
| LAURIE SEUBERT3 Filed as: LAURIE SEUBERT-LEMIRE | 5853 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | $21 | $339 | 0.87% |
| JAMES R SMITH INSURANCE LTD3 | 5853 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 0.27% |
| MICHAEL R ACKERMAN3 | 275 COMMERCE DR SUITE 301 FORT WASHINGTON, PA 19034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.22% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.19% |
| JASON R SMITH3 | 4 COLBY DRIVE COVENTRY, RI 02816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.17% |
| ALEXANDER JEFFREY SEUBERT3 | 480 ATLANTIC AVE WARWICK, RI 02888 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.05% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 53 WILD DUNES WAY OLD ORCHARD BEACH, ME 04064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
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 | 495 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 263 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 495 | $266K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 495 | $266K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 495 | $266K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 495 | $266K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 495 | $266K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 5 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.