| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD SUITE 240 CRANSTON, RI 02920 | HARVARD PILGRIM HEALTHCARE | $46K | $18K | $64K | 3.51% |
| GEORGE BLAISDELL3 Filed as: GEORGE W BLAISDELL | 65 BROWN RD, PO BOX 644 HAMPTON FALLS, NH 03844 | HARVARD PILGRIM HEALTHCARE | $9K | $0 | $9K | 0.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD SUITE 240 CRANSTON, RI 02920 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $11K | $22K | 16.63% |
| GEORGE BLAISDELL3 | 65 BROWN RD PO BOX 644 HAMPTON FALLS, NH 03844 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.56% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD SUITE 240 CRANSTON, RI 02920 | THE HARTFORD | $9K | $0 | $9K | 10.34% |
| GEORGE BLAISDELL3 | 65 BROWN RD PO BOX 644 HAMPTON FALLS, NH 03844 | THE HARTFORD | $2K | $0 | $2K | 2.04% |
| MATTHEW LUKE BORELLA3 | 700 KINDERKAMACK ROAD ORADEL, NJ 07675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 21.57% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NE LLC | 1375 KINGS HIGHWAY EAST FAIRFIELD, CT 06824 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $767 | $0 | $767 | 9.33% |
| EDAN E. BARSHAN | 20 PARK PLAZA-4TH FLOOR BOSTON, MA 02216 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $120 | $0 | $120 | 1.46% |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTHCARE | 246 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $134K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $134K |
| Life insurance | THE HARTFORD | 189 | $84K |
| Short-term disability(2 contracts, 2 carriers) | THE HARTFORD | 189 | $92K |
| Long-term disability | THE HARTFORD | 189 | $84K |
| Other(2 contracts, 2 carriers) | THE HARTFORD | 189 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.