| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | HARVARD PILGRIM HEALTH CARE | $6K | $2K | $8K | 3.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS INSURANCE BROKERAGE GRP OF NE | VERONIC L ABENDROTH, IDS 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | HARVARD PILGRIM HEALTH CARE | $638 | — | $638 | 0.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | HARVARD PILGRIM HEALTH CARE | $4K | $1K | $5K | 3.14% |
| HAYS COMPANIES, INC.3 Filed as: HAYS INSURANCE BROKERAGE GRP OF NE | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | HARVARD PILGRIM HEALTH CARE | $411 | — | $411 | 0.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | HARVARD PILGRIM HEALTH CARE | $3K | $1K | $4K | 3.06% |
| HAYS COMPANIES, INC.3 Filed as: HAYS INSURANCE BROKERAGE GRP OF NE | VERDONICA L ABENDROTH, IDS 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | HARVARD PILGRIM HEALTH CARE | $349 | — | $349 | 0.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | HARVARD PILGRIM HEALTH CARE | $2K | $768 | $3K | 3.40% |
| HAYS COMPANIES, INC.3 Filed as: HAYS INSURANCE BROKERAGE GRP OF NE | VERONICA L ABENDROTH, IDS CENTER 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | HARVARD PILGRIM HEALTH CARE | $219 | — | $219 | 0.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | GUARDIAN | $5K | $95 | $5K | 15.27% |
| HPHC INSURANCE AGENCY, INC.3 Filed as: HPHC INSURANCE AGENCY, INC | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | GUARDIAN | $2K | — | $2K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | DELTA DENTAL OF MASSACHUSETTS | $1K | — | $1K | 4.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METROPOLITAN GENERAL INSURANCE COMPANY | $242 | $28 | $270 | 11.18% |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HARVARD PILGRIM HEALTH CARE | 21 | $659K |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 49 | $34K |
| Vision | GUARDIAN | 93 | $35K |
| Life insurance | GUARDIAN | 93 | $35K |
| Long-term disability | GUARDIAN | 93 | $35K |
| Prescription drug(4 contracts) | HARVARD PILGRIM HEALTH CARE | 21 | $659K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 93 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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.