| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | HARVARD PILGRIM HEALTH CARE | $17K | $0 | $17K | 2.56% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HPHC INSURANCE COMPANY | $12K | $0 | $12K | 2.63% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HARVARD PILGRIM HEALTH CARE | $12K | $0 | $12K | 2.73% |
| MARSH & MCLENNAN AGENCY LLC3 | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $307 | $3K | 10.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $227 | $2K | 8.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $207 | $3K | 14.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $913 | $39 | $952 | 10.43% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HARVARD PILGRIM HEALTH CARE | $246 | $0 | $246 | 3.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $469 | $40 | $509 | 21.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $176 | $11 | $187 | 21.30% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 78 | $1.6M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 250 | $14K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $34K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 95 | $30K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $22K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.