| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | HARVARD PILGRIM HEALTH CARE | $13K | — | $13K | 0.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 4 COPLEY PLACE, 6TH FLOOR BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $13K | — | $13K | 0.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 4 COPLEY PLACE, 6TH FLOOR BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $13K | — | $13K | 0.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 0.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 4 COPLEY PLACE, 6TH FLOOR BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 0.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 4 COPLEY PLACE, 6TH FLOOR BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 0.75% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | GUARDIAN | $13K | — | $13K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 W PLAZA 2, 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $174 | $2K | 2.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $5 | $2K | 2.60% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $605 | — | $605 | 0.85% |
| THOMAS VINCENT MOLETTO3 | 15519 EAGLEVIEW DR CHARLOTTE, NC 28278 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $536 | — | $536 | 0.75% |
| MICHAEL ANTHONY CHANDLER3 | 9839 COMMON LAW CONVERSE, TX 78109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $435 | $5 | $440 | 0.61% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | PO BOX 1060 GETTYSBURG, PA 17325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $323 | — | $323 | 0.45% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $33 | $117 | 0.16% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.11% |
| ELIZABETH HERNANDEZ3 | 245 W 72ND STREET NEW YORK, NY 10023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.08% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $21 | $44 | 0.06% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 W PLAZA 2, 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $363 | $363 | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | HPHC INSURANCE COMPANY | $253 | — | $253 | 0.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 4 COPLEY PLACE, 6TH FLOOR BOSTON, MA 02116 | HPHC INSURANCE COMPANY | $253 | — | $253 | 0.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 4 COPLEY PLACE, 6TH FLOOR BOSTON, MA 02116 | HPHC INSURANCE COMPANY | $247 | — | $247 | 0.68% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $893 | — | $893 | 2.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 W PLAZA 2, 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $299 | — | $299 | 0.94% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $112 | $228 | 0.72% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY, SUITE 320 BLUE BELL, PA 19422 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | HARVARD PILGRIM HEALTH CARE | $148 | — | $148 | 0.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 4 COPLEY PLACE, 6TH FLOOR BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $148 | — | $148 | 0.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 4 COPLEY PLACE, 6TH FLOOR BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $145 | — | $145 | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | HARVARD PILGRIM HEALTH CARE | $42 | — | $42 | 0.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 4 COPLEY PLACE, 6TH FLOOR BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $42 | — | $42 | 0.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 4 COPLEY PLACE, 6TH FLOOR BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $41 | — | $41 | 0.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | HPHC INSURANCE COMPANY | $54 | — | $54 | 0.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 4 COPLEY PLACE, 6TH FLOOR BOSTON, MA 02116 | HPHC INSURANCE COMPANY | $54 | — | $54 | 0.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 4 COPLEY PLACE, 6TH FLOOR BOSTON, MA 02116 | HPHC INSURANCE COMPANY | $53 | — | $53 | 0.70% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87 | — | $87 | 5.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 W PLAZA 2, 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 1.87% |
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 | 434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 287 | $212K |
| Vision | GUARDIAN | 287 | $212K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 430 | $157K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 539 | $169K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 430 | $77K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 430 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 539 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.