| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | HARVARD PILGRIM HEALTH CARE | $1K | $0 | $1K | 1.61% |
| HRK BROKERAGE SERVICES LLC3 | 15 BERKSHIRE ROAD MANSFIELD, MA 02048 | HARVARD PILGRIM HEALTH CARE | $5 | $0 | $5 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | HARVARD PILGRIM HEALTH CARE | $1K | $0 | $1K | 1.61% |
| HRK BROKERAGE SERVICES LLC3 | 15 BERKSHIRE ROAD MANSFIELD, MA 02048 | HARVARD PILGRIM HEALTH CARE | $4 | $0 | $4 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | DENTAL SERVICE OF MASSACHUSETTS, INC DBA DELTA DENTAL OF MA | $1K | $0 | $1K | 5.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | VISION SERVICE PLAN | $91 | $0 | $91 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $158 | $21 | $179 | 17.03% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 225 | $164K |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC DBA DELTA DENTAL OF MA | 366 | $18K |
| Vision | VISION SERVICE PLAN | 134 | $2K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $14K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $13K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.