| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE3 | 77 ACCORD PARK DRIVE UNIT B-1 NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE | $24K | $0 | $24K | 2.40% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | HARVARD PILGRIM HEALTH CARE | $380 | $0 | $380 | 0.04% |
| TINA WRIGHT3 | — | HARVARD PILGRIM HEALTH CARE | $249 | $0 | $249 | 0.02% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | 77 ACCORD PARK DR. UNIT B1 NORWELL, MA 02061 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 11.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVS | 320 WEST 57TH ST. NEW YORK, NY 10019 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASSACHUS EIN 04-1045815 ADMIN & CLAIM S | Plan Administrator; Claims processing Service code 12 | 101 HUNTINGTON AVE. STE. 1300 BOSTON, MA 021997611 | $13K |
| BENEFIT STRATEGIES EIN 26-0003294 TPA | Plan Administrator Service code 14 | THE DUNLAP BUILDING 967 ELM ST. MANCHESTER, NH 03101 | $6K |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 226 | $1.0M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $57K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $57K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $57K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 226 | $1.0M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.