| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HJ KNIGHT INTERNATIONAL Filed as: HJ KNIGHT INTERNATIONAL INS | — | HARVARD PILGRIM HEALTH CARE | $7K | — | $7K | 1.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHRISTOPHER BROUSAIDES EIN 04-6049991 ADMINISTRATOR | Employee (plan) Service code 30 | 7 FREDERIKA STREET BOSTON, MA 02124 | $32K |
| GAIL MILLS EIN 04-6049991 ASSISTANT ADMINISTRATOR | Employee (plan) Service code 30 | 7 FREDERIKA STREET BOSTON, MA 02124 | $22K |
| CBIZ SAVITZ EIN 26-1371674 NONE | Actuarial Service code 11 | 1845 WALNUT STREET PHILADELPHIA, PA 19103 | $21K |
| ISSI EIN 23-2182079 NONE | Other fees Service code 99 | TWO EXECUTIVE CAMPUS 400 CHERRY HILL, NJ 08002 | $18K |
| CAMPBELL DEVASTO & ASSOCIATES CPA EIN 04-2779892 NONE | Accounting (including auditing) Service code 10 | 175 DERBY STREET UNIT 2 HINGHAM, MA 02043 | $18K |
| CHRISTOPHER TYLER EIN 04-6049991 ADMINISTRATIVE ASSISTANT | Employee (plan) Service code 30 | 7 FREDERIKA STREET BOSTON, MA 02124 | $15K |
| KRAKOW & SOURIS LLC EIN 04-3363718 NONE | Legal Service code 29 | 225 FRIEND STREET BOSTON, MA 02114 | $14K |
| BOSTON TRUST INVESTMENT MGMT COMPAN EIN 04-2273811 NONE | Investment management fees paid directly by plan; Trustee (directed); Investment management; Custodial (securities); Direct payment from the plan; Trustee (discretionary); Trustee (bank, trust company, or similar financial institution) Service code 19 | 1 BEACON STREET BOSTON, MA 02108 | $10K |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 445 | $465K |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 510 | $129K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 308 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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.