| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN MYERS3 | 1350 BELMONT STREET, SUITE 108 BROCKTON, MA 02301 | HARVARD PILGRIM HEALTH CARE | $36K | $0 | $36K | 2.42% |
| JOHN MYERS3 | 1350 BELMONT STREET, SUITE 108 BROCKTON, MA 02301 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $12K | $13 | $12K | 10.23% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE SUITE 1300 BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $13 | $13 | 0.01% |
| JOHN MYERS3 | 1350 BELMONT STREET, SUITE 108 BROCKTON, MA 02767 | ALTUS DENTAL INSURANCE COMPANY, INC. | $6K | $0 | $6K | 5.28% |
| JOHN MYERS3 | 1350 BELMONT STREET, SUITE 108 BROCKTON, MA 02767 | VISION INSURANCE PLAN | $877 | $0 | $877 | 6.51% |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 243 | $107K |
| Vision | VISION INSURANCE PLAN | 87 | $13K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 138 | $114K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 138 | $114K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 138 | $114K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 240 | $1.5M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 138 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.