| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | HARVARD PILGRIM HEALTH CARE | $23K | — | $23K | 1.18% |
| C&C ADVISORS INC3 | 737 WEBSTER STREET MARSHFIELD, MA 02050 | HARVARD PILGRIM HEALTH CARE | $5K | — | $5K | 0.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | HARVARD PILGRIM HEALTH CARE | $20K | — | $20K | 1.13% |
| C&C ADVISORS INC3 | 737 WEBSTER STREET MARSHFIELD, MA 02050 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 0.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | HPHC INSURANCE COMPANY | $326 | — | $326 | 1.26% |
| C&C ADVISORS INC3 | 737 WEBSTER STREET MARSHFIELD, MA 02050 | HPHC INSURANCE COMPANY | $66 | — | $66 | 0.26% |
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. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 196 | $3.7M |
| Prescription drug(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 196 | $3.7M |
| Stop-loss / reinsurancereinsurance(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 196 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.