| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SOLUTIONS, INC.3 | 5 MOUNT ROYAL AVENUE SUITE 250 MARLBOROUGH, MA 01752 | HARVARD PILGRIM HEALTH CARE | $45K | — | $45K | 1.53% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 5 MOUNT ROYAL AVENUE SUITE 250 MARLBOROUGH, MA 01752 | HARVARD PILGRIM HEALTH CARE | $20K | — | $20K | 1.56% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE SUITE 1300 BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $25K | $25K | 6.67% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 5 MOUNT ROYAL AVENUE SUITE 250 MARLBOROUGH, MA 01752 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 4.92% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 5 MOUNT ROYAL AVENUE SUITE 250 MARLBOROUGH, MA 01752 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A/ DELTA DENTAL OF MA | $6K | — | $6K | 3.16% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS, INC | 5 MOUNT ROYAL AVENUE SUITE 250 MARLBOROUGH, MA 01752 | EYEMED VISION CARE | $2K | — | $2K | 9.90% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 324 | $4.2M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A/ DELTA DENTAL OF MA | 379 | $202K |
| Vision | EYEMED VISION CARE | 317 | $25K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 374 | $374K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 374 | $374K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 374 | $374K |
| Prescription drug(2 contracts) | HARVARD PILGRIM HEALTH CARE | 324 | $4.2M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 374 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.