| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | ONE MONARCH PLACE, SUITE 1500 SPRINGFIELD, MA 01144 | HEALTH NEW ENGLAND, INC. | $136K | $0 | $136K | 1.47% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN PITTSFIELD, ME 01202 | HARVARD PILGRIM HEALTH CARE | $39K | $0 | $39K | 1.24% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $60K | $52K | $112K | 23.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINA BEACH, VA 23466 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $5K | $0 | $5K | 5.14% |
| CAVENEY INSURANCE GROUP3 | 119 DRUM HILL ROAD, SUITE 194 CHELMSFORD, MA 01824 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 2.35% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION | 90 KRIEGER LANE GLASTONBURY, CT 06033 | TRUSTMARK INSURANCE COMPANY | $917 | $0 | $917 | 2.12% |
| PLATINUM WORKSITE BENEFITS3 | PO BOX 228 HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $777 | $0 | $777 | 1.79% |
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 | 1,426 | 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) | 1,426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH NEW ENGLAND, INC. | 837 | $12.4M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1,426 | $0 |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,426 | $528K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,426 | $485K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,426 | $528K |
| Prescription drug(3 contracts, 3 carriers) | HEALTH NEW ENGLAND, INC. | 837 | $12.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,426 | $528K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,426 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.