| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | HARVARD PILGRIM HEALTH CARE | $18K | — | $18K | 0.88% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | HARVARD PILGRIM HEALTH CARE | $13K | — | $13K | 0.63% |
| SAPERS & WALLACK3 Filed as: SAPERS AND WALLACK | 275 WASHINGTON STREET #205 NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE | $30 | — | $30 | 0.00% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | HARVARD PILGRIM HEALTH CARE | $7K | — | $7K | 0.88% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | HARVARD PILGRIM HEALTH CARE | $5K | — | $5K | 0.63% |
| SAPERS & WALLACK3 Filed as: SAPERS AND WALLACK | 275 WASHINGTON STREET #205 NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE | $11 | — | $11 | 0.00% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A/ DELTA DENTAL OF MA | $3K | — | $3K | 2.69% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD. SUITE 3001 WARWICK, RI 02886 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A/ DELTA DENTAL OF MA | $2K | — | $2K | 1.79% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.23% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.25% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | SUITE 3001 931 JEFFERSON BLVD WARWICK, RI 02886 | PRUDENTIAL INSURANCE COMPANY | $212 | — | $212 | 1.75% |
| COMPSYCH5 Filed as: COMPSYCH CORPORATION | 455 NORTH CITYFRONT PLAZA DRIVE CHICAGO, IL 60611 | PRUDENTIAL INSURANCE COMPANY | — | $13 | $13 | 0.11% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $536 | — | $536 | 13.37% |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 297 | $2.8M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A/ DELTA DENTAL OF MA | 224 | $110K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 256 | $72K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $42K |
| Prescription drug(2 contracts) | HARVARD PILGRIM HEALTH CARE | 297 | $2.8M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 256 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.