| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | HARVARD PILGRIM HEALTH CARE | $15K | $11K | $26K | 2.13% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DR SUITE 102 NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE | $6K | $0 | $6K | 0.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | HARVARD PILGRIM HEALTH CARE | $8K | $6K | $14K | 2.12% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE | $3K | $0 | $3K | 0.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 115 FEDERAL STREET BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $5K | $0 | $5K | 2.65% |
| HP PLANNING LLC3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $1K | $0 | $1K | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 3.82% |
| GCG FINANCIAL LLC3 Filed as: HP PLANNING LLC DBA ALERA NORTHEAST | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 1.92% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $856 | $0 | $856 | 8.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $856 | $0 | $856 | 8.01% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 157 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 301 | $172K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 156 | $11K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 230 | $132K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 230 | $132K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 230 | $132K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 230 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.