| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | HARVARD PILGRIM HEALTH CARE | $45K | $0 | $45K | 1.38% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $2K | $15K | 8.36% |
| JAMES T KINNEY3 Filed as: JAMES T. KINNEY | 250 ALDRICH AVENUE WARWICK, RI 02889 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.13% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $805 | $805 | 0.44% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 457 | $3.3M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 255 | $182K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 255 | $182K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 255 | $182K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 457 | $3.3M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 255 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.