| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARBOR INSURANCE GROUP LLC3 | 800 HINGHAM STREET ROCKLAND, MA 02370 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 7.22% |
| UMR, INC.5 Filed as: UNITED HEALTHCARE SERVICES, INC. | P.O. BOX 1459 MINNEAPOLIS, MN 55440 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 3.97% |
| HARBOR INSURANCE GROUP LLC3 | 800 HINGHAM STREET ROCKLAND, MA 02370 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC | $3K | — | $3K | 3.25% |
| HARBOR INSURANCE GROUP LLC3 | 800 HINGHAM STREET ROCKLAND, MA 02370 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 8.86% |
| HARBOR INSURANCE GROUP LLC3 | 800 HINGHAM STREET ROCKLAND, MA 02370 | BLUE CROSS BLUE SHIELD OF MASS | $2K | — | $2K | 5.43% |
| HARBOR INSURANCE GROUP LLC3 | 800 HINGHAM STREET ROCKLAND, MA 02370 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HARBOR INSURANCE GROUP LLC3 | 800 HINGHAM STREET ROCKLAND, MA 02370 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| HARBOR INSURANCE GROUP LLC3 | 800 HINGHAM STREET ROCKLAND, MA 02370 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $312 | — | $312 | 10.01% |
| HARBOR INSURANCE GROUP LLC3 | 800 HINGHAM STREET ROCKLAND, MA 02370 | VISION SERVICE PLAN | $254 | — | $254 | 10.02% |
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 | 41 | 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) | 41 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 81 | $303K |
| Dental | BLUE CROSS BLUE SHIELD OF MASS | 76 | $36K |
| Vision | VISION SERVICE PLAN | 19 | $3K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 41 | $13K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 44 | $56K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 41 | $16K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 41 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 81 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.