| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | HARVARD PILGRIM HEALTH CARE | $48K | $0 | $48K | 2.70% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | UNKNOWN ANDOVER, MA 01810 | HARVARD PILGRIM HEALTH CARE | $4K | $0 | $4K | 0.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $595 | $3K | 5.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $350 | $350 | 0.51% |
| KLINGAMAN & ASSOCIATES, INC.3 Filed as: KLINGAMAN AND ASSOCIATES INC | 131 COAL KILN ROAD PRINCETON, MA 01541 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | $0 | $137 | 5.27% |
| WEX INC3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.77% |
| RYAN BENEFITS INC3 Filed as: RYAN TAVARES | 10 WILLOW STREET DERRY, NH 03038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.58% |
| DANIEL P CLARK3 Filed as: DANIEL P. CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.35% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.27% |
| MAUREEN E SNOW3 Filed as: MAUREEN E. SNOW | 68 WINGATE ROAD HOLLISTON, MA 01746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.23% |
| MJ INSURANCE3 Filed as: DANIEL L. CLARK AND VARIOUS AGENTS | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.19% |
| KLINGAMAN & ASSOCIATES, INC.3 Filed as: KLINGAMAN AND ASSOCIATES INC | 131 COAL KILN ROAD PRINCETON, MA 01541 | AFLAC | $203 | $0 | $203 | 8.46% |
| WEX INC3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $38 | $0 | $38 | 1.58% |
| DANIEL P CLARK3 Filed as: DANIEL P. CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $19 | $0 | $19 | 0.79% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $14 | $0 | $14 | 0.58% |
| JOHN B DRZEWIECKI JR3 Filed as: JOHN B. DRZEWIECKI JR | 370 SOUTHSHIRE DRIVE BENNINGTON, VT 05201 | AFLAC | $7 | $0 | $7 | 0.29% |
| MJ INSURANCE3 Filed as: MARGARET LOCHNER & VARIOUS AGENTS | 365 WALLOOMSAC ROAD BENNINGTON, VT 05201 | AFLAC | $3 | $0 | $3 | 0.13% |
| MAUREEN E SNOW3 Filed as: MAUREEN E. SNOW | 68 WINGATE ROAD HOLLISTON, MA 01746 | AFLAC | $2 | $0 | $2 | 0.08% |
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 | 131 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $69K |
| Short-term disability | AFLAC | 5 | $2K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 131 | $1.8M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 92 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.