| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY | 155 FEDERAL STREET,12TH FL BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $58K | — | $58K | 3.07% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY | 155 FEDERAL STREET,12TH FL BOSTON, MA 02110 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG INC | $22K | — | $22K | 3.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY | 155 FEDERAL STREET,12TH FL BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $14K | — | $14K | 3.07% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY | 155 FEDERAL STREET,12TH FL BOSTON, MA 02110 | DELTA DENTAL OF MASSACHUSETTS INC | $8K | — | $8K | 4.49% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY | 155 FEDERAL STREET,12TH FL BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 3.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 333 ELM STREET DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 11.65% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 14.01% |
| AVERY HALL BENEFIT SOLUTIONS INC3 Filed as: AVERY HALL BENEFIT SOLUTIONS | 312 E MAIN STREET SALISBURY, MD 21801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 12.67% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 333 ELM STREET DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 14.75% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 333 ELM STREET, ST 300 DEDHAM, MA 02026 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 14.17% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.36% |
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 | 383 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 208 | $3.2M |
| Dental | DELTA DENTAL OF MASSACHUSETTS INC | 383 | $178K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $144K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 50 | $34K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $144K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.