| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | UNKNOWN UNKNOWN, MA 00000 | HARVARD PILGRIM HEALTH CARE | $19K | $0 | $19K | 0.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | UNKNOWN UNKNOWN, MA 00000 | HARVARD PILGRIM HEALTH CARE | $7K | $0 | $7K | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY MMC AGENCY PO BOX 85638 SAN DIEGO, CA 921865638 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 6.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 6.16% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $31 | $31 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | UNKNOWN UNKNOWN, MA 00000 | HARVARD PILGRIM HEALTH CARE | $2K | $0 | $2K | 0.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | UNKNOWN UNKNOWN, MA 00000 | HARVARD PILGRIM HEALTH CARE | $693 | $0 | $693 | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | UNKNOWN UNKNOWN, MA 00000 | HPHC INSURANCE COMPANY | $8K | $0 | $8K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | UNKNOWN UNKNOWN, MA 00000 | HPHC INSURANCE COMPANY | $3K | $0 | $3K | — |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 217 | $2.2M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 155 | $194K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 155 | $194K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 155 | $194K |
| Prescription drug(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 217 | $2.2M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 155 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.