| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BROKERAGE INS. AGENCY LLC3 Filed as: GROUP BROKERAGE INS AGENCY | 69 CARLETON RD BELMONT, MA 02478 | HARVARD PILGRIM HEALTH CARE | $102K | — | $102K | 3.94% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 0.06% |
| JOHN E O'REILLY3 Filed as: JOHN F SIRACUSA | 69 CARELTON ROAD BELMONT, MA 02478 | HARVARD PILGRIM HEALTH CARE | $953 | — | $953 | 0.04% |
| GROUP BROKERAGE INS. AGENCY LLC3 Filed as: GROUP BROKERAGE INS AGENCY | 69 CARLETON RD BELMONT, MA 02478 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 3.67% |
| JOHN FRANK SIRACUSA3 Filed as: JOHN SIRACUSA | 69 CARLETON RD BELMONT, MA 02478 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.76% |
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 | 403 | 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) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 528 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 403 | $558K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 232 | $14K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 403 | $558K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 403 | $558K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 403 | $558K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 528 | $2.6M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 403 | $558K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 528 | — |
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."
No prospect flags tripped on this filing.