| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | ONE BEACON STREET 25TH FLOOR BOSTON, MA 02108 | HARVARD PILGRIM HEALTH CARE | $19K | — | $19K | 2.01% |
| BBS INSURANCE BROKERAGE INC3 | 2000 COMMONWEALTH AVENUE NEWTON, MA 02466 | HARVARD PILGRIM HEALTH CARE | $40 | — | $40 | 0.00% |
| EASTERN BENEFITS GROUP3 | ONE BEACON STREET 25TH FLOOR BOSTON, MA 02108 | HARVARD PILGRIM HEALTH CARE | $13K | — | $13K | 2.04% |
| BBS INSURANCE BROKERAGE INC3 Filed as: BBS INSURANCE BROKERAGE INC. | 2000 COMMONWEALTH AVENUE NEWTON, MA 02466 | HARVARD PILGRIM HEALTH CARE | $29 | — | $29 | 0.00% |
| EASTERN BENEFITS GROUP3 | ONE BEACON STREET 25TH FLOOR BOSTON, MA 02108 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 1.97% |
| BBS INSURANCE BROKERAGE INC3 Filed as: BBS INSURANCE BROKERAGE INC. | 2000 COMMONWEALTH AVENUE NEWTON, MA 02466 | HARVARD PILGRIM HEALTH CARE | $6 | — | $6 | 0.00% |
| EASTERN INS GROUP LLC3 | 100 QUANNAPOWITT PKWY SUITE 400 WAKEFIELD, MA 018801319 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.20% |
| KLINGMAN AND ASSOCIATES INC3 Filed as: KLINGMAN & ASSOCIATES INC | 131 COAL KILN RD PRINCETON, MA 01541 | AFLAC | $786 | $23 | $809 | 10.59% |
| WEX INC3 Filed as: WEX INC. | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $134 | — | $134 | 1.75% |
| DANIEL P CLARK3 | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $66 | — | $66 | 0.86% |
| DAVID S HALLETT3 Filed as: DAVID S HALLET | 8 BROOKS ST WINCHESTER, MA 01890 | AFLAC | $41 | $4 | $45 | 0.59% |
| JOHN B DRZEWIECKI JR3 | 370 SOUTHSHIRE DR BENNINGTON, VT 05201 | AFLAC | $19 | — | $19 | 0.25% |
| MAUREEN E SNOW3 | 68 WINGATE RD HOLLISTON, MA 01746 | AFLAC | $7 | — | $7 | 0.09% |
| COMPREHENSIVE EMPLOYEE BENEFITS INC3 | 8 CHALMERS RD WORCESTER, MA 01602 | AFLAC | $5 | — | $5 | 0.07% |
| MARGARET E LOCHNER3 | 365 WALLOOMSAC RD BENNINGTON, VT 05201 | AFLAC | $4 | — | $4 | 0.05% |
| KAREN TUCCI3 | 73 STETSON DR MARLBOROUGH, MA 01752 | AFLAC | $3 | — | $3 | 0.04% |
| NATHAN A HUMMER3 | 5 WEBBER RD WESTFORD, MA 01886 | AFLAC | $1 | — | $1 | 0.01% |
| KLINGMAN AND ASSOCIATES INC3 | 131 COAL KILN RD PRINCETON, MA 01541 | CONTINENTAL AMERICAN INSURANCE COMPANY | $454 | — | $454 | 7.04% |
| WEX INC3 Filed as: WEX INC. | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 1.10% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.62% |
| MAUREEN E SNOW3 | 68 WINGATE ROAD HOLLISTON, MA 01746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.26% |
| COMPREHENSIVE EMPLOYEE BENEFITS INC3 Filed as: COMPREHENSIVE EMPLOYEE BENEFIT INS | 8 CHALMERS ROAD WORCESTER, MA 01602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.14% |
| DAVID S HALLETT3 Filed as: DAVID S HALLET | 8 BROOKS ST WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.14% |
| RYAN BENEFITS INC3 Filed as: RYAN TAVARES | 10 WILLOW ST DERRY, NH 03038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| NATHAN A HUMMER3 | 9 TOWNSEND ROAD LYNNFIELD, MA 01940 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| JILL SCIRPO3 | 6 WILLETT POND RD WESTWOOD, MA 02090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $73K |
| Short-term disability | AFLAC | 11 | $8K |
| Other(2 contracts, 2 carriers) | AFLAC | 92 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.