| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | UKNOWN WORCESTER, MA 01608 | HARVARD PILGRIM HEALTH CARE | $24K | $0 | $24K | 1.11% |
| PROTECTOR GROUP INSURANCE AGENCY3 | UNKNOWN WORCESTER, MA 01603 | HARVARD PILGRIM HEALTH CARE | $5K | $0 | $5K | 0.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | UNKNOWN WORCESTER, MA 01603 | HARVARD PILGRIM HEALTH CARE | $4K | $0 | $4K | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $16K | 8.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET 3RD FLOOR BOSTON, MA 02116 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $731 | $0 | $731 | 0.38% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $439 | $0 | $439 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 | UNKNOWN WORCESTER, MA 01608 | HARVARD PILGRIM HEALTH CARE | $1K | $0 | $1K | 1.07% |
| PROTECTOR GROUP INSURANCE AGENCY3 Filed as: PROTECTOR GROUP INSURANCE AGENCY, | UNKNOWN WORCESTER, MA 01603 | HARVARD PILGRIM HEALTH CARE | $294 | $0 | $294 | 0.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | UNKNOWN WORCESTER, MA 01603 | HARVARD PILGRIM HEALTH CARE | $229 | $0 | $229 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 | UKNOWN WORCESTER, MA 01608 | HARVARD PILGRIM HEALTH CARE | $535 | $0 | $535 | 1.11% |
| PROTECTOR GROUP INSURANCE AGENCY3 | UNKNOWN WORCESTER, MA 01603 | HARVARD PILGRIM HEALTH CARE | $107 | $0 | $107 | 0.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | UNKNOWN WORCESTER, MA 01603 | HARVARD PILGRIM HEALTH CARE | $83 | $0 | $83 | 0.17% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTH CARE | 218 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $192K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $192K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $192K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $192K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $192K |
| Prescription drug(3 contracts) | HARVARD PILGRIM HEALTH CARE | 218 | $2.3M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.