| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE , SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $117K | $0 | $117K | 3.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $62K | $0 | $62K | 3.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $25K | $0 | $25K | 3.38% |
| MARSH & MCLENNAN AGENCY LLC3 | NEW ENGLAND 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | $0 | $33K | 6.91% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $10K | $10K | 2.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTIN AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $8K | $0 | $8K | 3.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $3K | $0 | $3K | 6.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE , SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $2K | $0 | $2K | 3.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNANA AGENCY LLC | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $826 | $0 | $826 | 4.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $967 | $0 | $967 | 5.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $183 | $0 | $183 | 3.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 500 BOYLSTON ST STE 300 BOSTON, MA 02116 | HARTFORD FIRE INSURANCE COMPANY | $323 | $54 | $377 | 17.53% |
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 | 410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts) | HARVARD PILGRIM HEALTH CARE | 373 | $6.2M |
| Vision | VISION SERVICE PLAN | 272 | $43K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 410 | $474K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 410 | $474K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 410 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.