| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP NEW ENGLAND, LLC. | 2000 CHAPEL VIEW DRIVE, STE. 240 CRANSTON, RI 02920 | HARVARD PILGRIM HEALTH CARE | $14K | — | $14K | 2.28% |
| SAPERS & WALLACK3 | 275 WASHINGTON ST. NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE | $38 | — | $38 | 0.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC. | 2000 CHAPEL VIEW DRIVE, STE. 240 CRANSTON, RI 02920 | HARVARD PILGRIM HEALTHCARE | $2K | — | $2K | 1.81% |
| SAPERS & WALLACK3 | 275 WASHINGTON ST. NEWTON, MA 02458 | HARVARD PILGRIM HEALTHCARE | $5 | — | $5 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW DRIVE, STE. 240 CRANSTON, RI 02920 | HARVARD PILGRIM HEALTHCARE | $2K | — | $2K | 1.84% |
| SAPERS & WALLACK3 | 275 WASHINGTON ST. NEWTON, MA 02458 | HARVARD PILGRIM HEALTHCARE | $5 | — | $5 | 0.01% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE. BOSTON, MA 02199 | USABLE LIFE | $6K | — | $6K | 15.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW DRIVE, STE. 240 CRANSTON, RI 02920 | USABLE LIFE | — | $2K | $2K | 3.65% |
| CRYSTAL HOLMES3 | 21 ASCENSION STREET BLACKSTONE, MA 01504 | USABLE LIFE | — | $105 | $105 | 0.25% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE. BOSTON, MA 02199 | USABLE LIFE | $6K | — | $6K | 15.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW DRIVE, STE. 240 CRANSTON, RI 02920 | USABLE LIFE | — | $2K | $2K | 3.71% |
| CRYSTAL HOLMES3 | 21 ASCENSION STREET BLACKSTONE, MA 01504 | USABLE LIFE | — | $103 | $103 | 0.25% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE. BOSTON, MA 02199 | USABLE LIFE | $5K | — | $5K | 15.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW DRIVE, STE. 240 CRANSTON, RI 02920 | USABLE LIFE | — | $302 | $302 | 0.86% |
| CRYSTAL HOLMES3 | 21 ASCENSION STREET BLACKSTONE, MA 01504 | USABLE LIFE | — | $21 | $21 | 0.06% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE. BOSTON, MA 02199 | USABLE LIFE | $5K | — | $5K | 15.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW DRIVE, STE. 240 CRANSTON, RI 02920 | USABLE LIFE | — | $1K | $1K | 3.77% |
| CRYSTAL HOLMES3 | 21 ASCENSION STREE BLACKSTONE, MA 01504 | USABLE LIFE | — | $87 | $87 | 0.26% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE. BOSTON, MA 02199 | USABLE LIFE | $300 | — | $300 | 15.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW DRIVE, STE. 240 CRANSTON, RI 02920 | USABLE LIFE | — | $78 | $78 | 3.90% |
| CRYSTAL HOLMES3 | 21 ASCENSION STREET BLACKSTONE, MA 01504 | USABLE LIFE | — | $5 | $5 | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | P.O. BOX 81889 LINCOLN, NE 68501 | $34K |
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 | 440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 336 | $809K |
| Life insurance(2 contracts) | USABLE LIFE | 440 | $69K |
| Short-term disability | USABLE LIFE | 195 | $41K |
| Long-term disability | USABLE LIFE | 185 | $42K |
| Other(2 contracts) | USABLE LIFE | 440 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.