| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 900 EAST HAMILTON, SUITE 100 CAMPBELL, CA 95008 | HARVARD PILGRIM HEALTH CARE | $43K | — | $43K | 1.19% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HARVARD PILGRIM HEALTH CARE | $12K | — | $12K | 0.33% |
| HRK BROKERAGE SERVICES LLC3 Filed as: HRK BROKERAGE SERVICES, LLC | 905 B SOUTH MAIN STREET, SUITE 203 MANSFIELD, MA 02048 | HARVARD PILGRIM HEALTH CARE | -$428 | — | -$428 | -0.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $9K | — | $9K | 2.94% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $6K | $31K | 12.36% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $2K | — | $2K | 3.47% |
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 | 431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 724 | $3.6M |
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 700 | $300K |
| Vision | VISION SERVICE PLAN | 363 | $57K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 431 | $251K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 431 | $251K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 431 | $251K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 724 | $3.6M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 431 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 724 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.