| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | $132K | — | $132K | 0.95% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTH CARE | $506 | — | $506 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 333 ELM STREET, 3RD FLOOR DEDHAM, MA 02026 | DENTAL SERVICE OF MASSACHUSETTS, INC DBA DELTA DENTAL OF MA | $30K | — | $30K | 3.30% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 7.43% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | $528 | — | $528 | 0.95% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTH CARE | $2 | — | $2 | 0.00% |
| JULIE GERSHON4 | 7 CAPOZZI CIRCLE WOBURN, MA 01801 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $790 | — | $790 | 9.97% |
| 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 LEGALSHIELD | $229 | — | $229 | 2.89% |
| ROSE GERSHON-SCHNEIDER4 | 554 NW 97TH AVE PLANTATION, FL 33324 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $41 | — | $41 | 0.52% |
| THOMAS KINNEY4 | 8 RIVERSEDGE DR SALEM, NH 03079 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | — | $21 | 0.26% |
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 | 926 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 933 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 1,804 | $14.0M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC DBA DELTA DENTAL OF MA | 1,924 | $909K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,386 | $96K |
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 50 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,924 | — |
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.