| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | HARVARD PILGRIM HEALTHCARE | $3K | — | $3K | 1.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | HARVARD PILGRIM HEALTHCARE | $1K | — | $1K | 0.94% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 9.29% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | PRINCIPAL LIFE INSURANCE COMPANY | $646 | — | $646 | 0.79% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | HARVARD PILGRIM HEALTHCARE | $916 | — | $916 | 1.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | HARVARD PILGRIM HEALTHCARE | $435 | — | $435 | 0.95% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 6.22% |
| FMG INSURANCE AGENCY INC3 Filed as: FMG INSURANCE AGENCY INC. | 228 PARK AVE WORCESTER, MA 01609 | AMERITAS LIFE INSURANCE CORPORATION | — | $152 | $152 | 0.50% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | HARVARD PILGRIM HEALTHCARE | $426 | — | $426 | 1.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | HARVARD PILGRIM HEALTHCARE | $202 | — | $202 | 0.94% |
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 | 282 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTHCARE | 26 | $203K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 332 | $30K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 332 | $30K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 304 | $82K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 304 | $82K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 304 | $82K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 304 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.