| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE, INC. | $26K | — | $26K | 2.34% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02210 | HORIZON HEALTHCARE SERVICES, INC. | $37K | — | $37K | 5.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | GUARDIAN | $14K | — | $14K | 13.85% |
| R FINE & R FINE INS LLC3 Filed as: R FINE & R FINE INSURANCE LLC | 370 MAIN STREET SUITE 1025 WORCESTER, MA 01608 | GUARDIAN | $250 | — | $250 | 0.25% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE | $754 | — | $754 | 9.27% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE, INC. | 118 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 93 | $139K |
| Vision | EYEMED VISION CARE | 123 | $8K |
| Life insurance | GUARDIAN | 100 | $99K |
| Short-term disability | GUARDIAN | 100 | $99K |
| Long-term disability | GUARDIAN | 100 | $99K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE, INC. | 118 | $1.9M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 100 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.