| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRABO BENEFITS, INC.3 Filed as: BRABO BENEFITS INC. | — | HARVARD PILGRIM HEALTH CARE | $24K | — | $24K | 1.97% |
| BRABO BENEFITS, INC.3 Filed as: BRABO BENEFITS INC | — | HARVARD PILGRIM HEALTH CARE | $10K | — | $10K | 1.97% |
| BRABO BENEFITS, INC.3 Filed as: BRABO BENEFITS INC | 65 CORDAGE PARK CIRCLE PLYMOUTH, MA 02360 | HARTFORD LIFE AND ACCIDENT | $8K | $9K | $17K | 8.96% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INS SERVICES LLC | 446 MAIN STREET 5TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 7.00% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.08% |
| BRABO BENEFITS, INC.3 | 51 COURT STREET PLYMOUTH, MA 02360 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.24% |
| BULFINCH GROUP INSURANCE AGENCY3 | 160 GOULD STREET #310 NEEDHAM, MA 02494 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $279 | — | $279 | 0.24% |
| BRABO BENEFITS, INC.3 | 65 CORDAGE PARK CIRCLE PLYMOUTH, MA 02360 | VISION SERVICE PLAN | $775 | — | $775 | 6.65% |
| BRABO BENEFITS, INC.3 Filed as: BRABO BENEFITS INC. | 51 COURT STREET PLYMOUTH, MA 02360 | HARVARD PILGIM HEALTH CARE | $170 | — | $170 | 1.97% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 186 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $115K |
| Vision | VISION SERVICE PLAN | 88 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 179 | $193K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 179 | $193K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 179 | $193K |
| Other(4 contracts, 3 carriers) | HARVARD PILGRIM HEALTH CARE | 186 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.