| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | HARVARD PILGRIM HEALTH CARE | $161K | — | $161K | 1.18% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | HARVARD PILGRIM HEALTH CARE | $53K | — | $53K | 1.18% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 1.19% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 47.39% |
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 | 3,220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HARVARD PILGRIM HEALTH CARE | 2,338 | $18.4M |
| Prescription drug(4 contracts) | HARVARD PILGRIM HEALTH CARE | 2,338 | $18.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,338 | — |
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."
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.