| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE4 Filed as: DIGITAL INSURANCE AGENCY INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTH CARE | $69K | — | $69K | 0.74% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | $39K | — | $39K | 0.42% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: NORTHWESTERN GROUP ASSOCIATES | WELLESLEY OFFICE PARK 55 WILLIAM STREET, SUITE 100 WELLESLEY, MA 02481 | HARVARD PILGRIM HEALTH CARE | $514 | — | $514 | 0.01% |
| DIGITAL INSURANCE LLC4 Filed as: DIGITAL INSURANCE, INC. | 160 GOULD STREET NEEDHAM, MA 02492 | DELTA DENTAL OF MASSACHUSETTS | $8K | — | $8K | 1.13% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | DELTA DENTAL OF MASSACHUSETTS | $6K | — | $6K | 0.85% |
| DIGITAL INSURANCE LLC4 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | EYEMED VISION CARE | $3K | — | $3K | 5.63% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | EYEMED VISION CARE | $1K | — | $1K | 1.96% |
| ENROLLEASE4 Filed as: DIGITAL INSURANCE AGENCY INC | 200 GALERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTH CARE | $204 | — | $204 | 0.74% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | $115 | — | $115 | 0.42% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: NORTHWESTERN GROUP ASSOCIATES | WELLESLEY OFFICE PARK 55 WILLIAM STREET, SUITE 100 WELLESLEY, MA 02481 | HARVARD PILGRIM HEALTH CARE | $2 | — | $2 | 0.01% |
| JULIE GERSHON4 | 11 PADDOCK ST WILMINGTON, MA 01887 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $705 | — | $705 | 9.42% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: W. DAVID BROWN | 14 SADIE HUTT LN SOUTHBOROUGH, MA 01772 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $302 | — | $302 | 4.03% |
| ROSE GERSHON-SCHNEIDER4 | 554 NW 97TH AVE PLANTATION, FL 33324 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $67 | — | $67 | 0.89% |
| THOMAS KINNEY4 | 8 RIVERSEDGE DR SALEM, NH 03079 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $19 | — | $19 | 0.25% |
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 | 779 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 789 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 1,455 | $9.3M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 1,483 | $711K |
| Vision | EYEMED VISION CARE | 950 | $60K |
| Other | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | 50 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,483 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.