| 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 | $15K | — | $15K | 0.69% |
| SAPERS & WALLACK3 Filed as: SAPERS AND WALLACK | 275 WASHINGTON STREET #205 NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE | $121 | — | $121 | 0.01% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | HARVARD PILGRIM HEALTH CARE | $7K | — | $7K | 0.71% |
| SAPERS & WALLACK3 Filed as: SAPERS AND WALLACK | 275 WASHINGTON STREET #205 NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE | $59 | — | $59 | 0.01% |
| 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 | $6K | — | $6K | 3.01% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $3K | $6K | 7.37% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 12.91% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS, INC | 33 BOSTON POST ROAD WEST, SUITE 120 MARLBOROUGH, MA 01752 | EYEMED VISION CARE | $2K | — | $2K | 9.20% |
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 | 319 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 307 | $3.1M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A/ DELTA DENTAL OF MA | 310 | $200K |
| Vision | EYEMED VISION CARE | 217 | $18K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 322 | $85K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 241 | $44K |
| Prescription drug(2 contracts) | HARVARD PILGRIM HEALTH CARE | 307 | $3.1M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 322 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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."
No prospect flags tripped on this filing.