| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE HR SOLUTIONS3 | 75 SECOND AVE SUITE 702 NEEDHAM, MA 02494 | HARVARD PILGRIM HEALTH CARE | $89K | — | $89K | 2.76% |
| BP BENEFITS, LLC3 | 75 SECOND ST SUITE 702 NEEDHAM, MA 02494 | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS, INC. | $10K | — | $10K | 3.47% |
| PFG BENEFITS, INC.3 Filed as: PFG BENEFITS INC | 75 SECOND AVE SUITE 702 NEEDHAM, MA 02494 | VISION SERVICE PLAN | $2K | — | $2K | 3.62% |
| PINNACLE HR SOLUTIONS3 | 75 SECOND AVE SUITE 702 NEEDHAM, MA 02494 | RELIANCE LIFE INSURANCE COMPANY | $191 | — | $191 | 11.02% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 344 | $3.2M |
| Dental | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS, INC. | 404 | $283K |
| Vision | VISION SERVICE PLAN | 310 | $45K |
| Life insurance | RELIANCE LIFE INSURANCE COMPANY | 43 | $2K |
| Long-term disability | RELIANCE LIFE INSURANCE COMPANY | 43 | $2K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 344 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.