| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | UNKNOWN ANDOVER, MA 01810 | HARVARD PILGRIM HEALTH CARE | $18K | $0 | $18K | 1.03% |
| EASTERN BENEFITS GROUP3 Filed as: EASTERN BENEFITS GROUP LLC | 100 QUANNAPOWITT PARKWAY SUITE 400 WAKEFIELD, MA 01880 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $815 | $4K | 4.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $243 | $0 | $243 | 0.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $174 | $174 | 0.21% |
| KLINGAMAN & ASSOCIATES, INC.3 Filed as: KLINGAMAN AND ASSOCIATES INC. | 131 COAL KILN ROAD PRINCETON, MA 01541 | AFLAC | $346 | $0 | $346 | 8.38% |
| WEX INC3 Filed as: WEX INC. | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $74 | $0 | $74 | 1.79% |
| DANIEL P CLARK3 Filed as: DANIEL P. CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $35 | $0 | $35 | 0.85% |
| DAIVD S. HALLETT3 | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $20 | $0 | $20 | 0.48% |
| JOHN B DRZEWIECKI JR3 Filed as: JOHN B. DRZEWIECKI JR. | 370 SOUTHSHIRE DRIVE BENNINGTON, VT 05201 | AFLAC | $14 | $0 | $14 | 0.34% |
| MJ INSURANCE3 Filed as: MAUREEN E. SNOW AND VARIOUS AGENTS | 68 WINGATE ROAD HOLLISTON, MA 01746 | AFLAC | $4 | $0 | $4 | 0.10% |
| MARGARET E LOCHNER3 Filed as: MARGARET E. LOCHNER | 365 WALLOOMSAC ROAD BENNINGTON, VT 05201 | AFLAC | $3 | $0 | $3 | 0.07% |
| KLINGAMAN & ASSOCIATES, INC.3 Filed as: KLINGAMAN AND ASSOCIATES INC. | 131 COAL ROAD PRINCETON, MA 01541 | CONTINENTAL AMERICAN INSURANCE COMPANY | $235 | $0 | $235 | 5.74% |
| WEX INC3 Filed as: WEX INC. | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.85% |
| DANIEL P CLARK3 Filed as: DANIEL L. CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.49% |
| RYAN BENEFITS INC3 Filed as: RYAN TAVARES | 10 WILLOW STREET DERRY, NH 03038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.37% |
| MAUREEN E SNOW3 Filed as: MAUREEN E. SNOW | 68 WINGATE ROAD HOLLISTON, MA 01746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.24% |
| DAIVD S. HALLETT3 | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.20% |
| COMPREHENSIVE EMPLOYEE BENEFITS INC3 Filed as: COMPREHENSIVE EMPL AND OTHER AGENTS | 8 CHALMERS ROAD WORCESTER, MA 01602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.12% |
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 |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 223 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 222 | $82K |
| Short-term disability | AFLAC | 5 | $4K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 223 | $1.8M |
| Other(2 contracts, 2 carriers) | AFLAC | 92 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.