| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | HARVARD PILGRIM HEALTH CARE | $103K | $0 | $103K | 3.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | HARVARD PILGRIM HEALTH CARE | $38K | $0 | $38K | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HARVARD PILGRIM HEALTH CARE | $48K | $0 | $48K | 2.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | HARVARD PILGRIM HEALTH CARE | $18K | $0 | $18K | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HARVARD PILGRIM HEALTH CARE | $27K | $0 | $27K | 2.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | HARVARD PILGRIM HEALTH CARE | $10K | $0 | $10K | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.77% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FIR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $94 | $2K | $2K | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.35% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.38% |
| NFP INSURANCE SERVICES INC3 | 340 MADISON AVE 21ST FIR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $133 | $1K | $2K | 0.98% |
| MARSH & MCLENNAN AGENCY LLC2 | — | HARVARD PILGRIM HEALTH CARE | $3K | $0 | $3K | 3.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | HARVARD PILGRIM HEALTH CARE | $1K | $0 | $1K | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HARVARD PILGRIM HEALTH CARE | $1K | $0 | $1K | 2.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | HARVARD PILGRIM HEALTH CARE | $448 | $0 | $448 | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.82% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HARVARD PILGRIM HEALTH CARE | $575 | $0 | $575 | 1.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | HARVARD PILGRIM HEALTH CARE | $212 | $0 | $212 | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FIR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $323 | $219 | $542 | 1.90% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $366 | $366 | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HARVARD PILGRIM HEALTH CARE | $414 | $0 | $414 | 2.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | HARVARD PILGRIM HEALTH CARE | $153 | $0 | $153 | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HARVARD PILGRIM HEALTH CARE | $248 | $0 | $248 | 3.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | HARVARD PILGRIM HEALTH CARE | $92 | $0 | $92 | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $580 | $0 | $580 | 10.09% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $94 | $94 | 1.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FIR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $53 | $0 | $53 | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 500 BOYLSTON ST STE 300 BOSTON, MA 02116 | HARTFORD FIRE INSURANCE COMPANY | $647 | $0 | $647 | 14.99% |
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 | 398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts) | HARVARD PILGRIM HEALTH CARE | 457 | $6.2M |
| Vision | VISION SERVICE PLAN | 314 | $46K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 398 | $233K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 398 | $6K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 398 | $165K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 398 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.