| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN PITTSFIELD, ME 01202 | HEALTH NEW ENGLAND, INC. | $130K | $0 | $130K | 1.49% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN PITTSFIELD, ME 01202 | HARVARD PILGRIM HEALTH CARE | $72K | $0 | $72K | 1.93% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44K | $12K | $57K | 15.20% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINA BEACH, VA 23466 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $4K | $110 | $4K | 6.39% |
| CAVENEY INSURANCE GROUP3 | 119 DRUM HILL ROAD, SUITE 194 CHELMSFORD, MA 01824 | TRUSTMARK INSURANCE COMPANY | $926 | $0 | $926 | 2.27% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION | 90 KRIEGER LANE GLASTONBURY, CT 06033 | TRUSTMARK INSURANCE COMPANY | $835 | $0 | $835 | 2.05% |
| PLATINUM WORKSITE BENEFITS3 | PO BOX 228 HOPKINTON, MA 01748 | TRUSTMARK INSURANCE COMPANY | $702 | $0 | $702 | 1.72% |
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 | 1,311 | 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) | 1,311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH NEW ENGLAND, INC. | 1,064 | $12.5M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,311 | $414K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,311 | $373K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,311 | $414K |
| Prescription drug(3 contracts, 3 carriers) | HEALTH NEW ENGLAND, INC. | 1,064 | $12.5M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,311 | $414K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,311 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.