| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $31K | — | $31K | 2.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 0.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 133 ELM STREET DEDHAM, MA 02026 | DELTA DENTAL OF MASSACHUSETTS | $5K | — | $5K | 4.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | RELIANCE STANDARD | $4K | $2K | $6K | 13.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | WEST RIDGE INSURNCE AGENCY, INC. 155 FEDERAL STREET, SUITE 1500 BOSTON, MA 02110 | RELIANCE STANDARD | $1K | — | $1K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | RELIANCE STANDARD | $2K | $453 | $2K | 18.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | WEST RIDGE INSURANCE AGENCY, INC. 155 FEDERAL STREET, SUITE 1500 BOSTON, MA 02110 | RELIANCE STANDARD | $364 | — | $364 | 3.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $896 | — | $896 | 9.12% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MASSACHUSETTS | 184 | $96K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 121 | $10K |
| Life insurance | RELIANCE STANDARD | 185 | $12K |
| Long-term disability | RELIANCE STANDARD | 185 | $42K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 128 | $1.2M |
| Other | RELIANCE STANDARD | 185 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.