| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFITS ADMINISTATOR | 120 LONGWATER DR SUITE 102 NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE | $30K | $0 | $30K | 2.56% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | HARVARD PILGRIM HEALTH CARE | $0 | $8K | $8K | 0.72% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DR NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $568 | $5K | 10.65% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DR NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $436 | $6K | 16.25% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFITS ADMINISTATOR | 120 LONGWATER DR STE 102 NORWELL, MA 02061 | HPHC INSURANCE COMPANY | $739 | $0 | $739 | 3.70% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | HPHC INSURANCE COMPANY | $0 | $206 | $206 | 1.03% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFIT ADMINISTRATIO | 120 LONGWATER DR, STE 102 NORWELL, MA 02061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 34.40% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $452 | $452 | 4.49% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFIT ADMINIST | 120 LONGWATER DR STE 102 NORWELL, MA 020611653 | VISION SERVICE PLAN | $654 | $0 | $654 | 8.04% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DR NORWELL, MA 02061 | UNUM INSURANCE COMPANY | $334 | $55 | $389 | 17.93% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DR NORWELL, MA 02061 | UNUMINSURANCE COMPANY | $308 | $49 | $357 | 17.38% |
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 158 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $10K |
| Vision | VISION SERVICE PLAN | 67 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $35K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 40 | $45K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 158 | $1.2M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.