| 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 | $30K | $0 | $30K | 3.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HPHC INSURANCE COMPANY | $20K | $0 | $20K | 3.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $15K | $0 | $15K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HPHC INSURANCE COMPANY | $10K | $0 | $10K | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $9K | $0 | $9K | 2.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02119 | HARVARD PILGRIM HEALTH CARE | $6K | $0 | $6K | 2.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 13.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 12.51% |
| JOEL B KARAS3 | 130 PARSONS ST BRIGHTON, MA 021352147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.33% |
| STEVEN R KARAS3 Filed as: STEVEN ROBERT KARAS | 222 WARD ST NEWTON CENTRE, MA 024591329 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.02% |
| DAVID S HALLETT3 Filed as: DAVID SCOTT HALLET | 8 BROOK STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.69% |
| STEVEN MUNICHIELLO3 Filed as: STEVEN MUNICHIELLE | 72 PLEASANT ST FRANKLIN, MA 02038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.64% |
| EVAN D CROSS3 | 100 ALLERTON RD MILTON, MA 021862838 | CONTINENTAL AMERICAN INSURANCE COMPANY | $418 | $0 | $418 | 0.64% |
| KYLE A SCHOALES3 | 23 BARTHEL AVE GARDNER, MA 014402501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC6 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $758 | $4K | 18.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101HUNTINGTON AVE STE 401 BOSTON, MA 02199 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $316 | $2K | 11.04% |
| MARRAMA, MELISSA, A3 Filed as: MARRAMA, MELISSA A | ONE GRIFFIN BROOK DR METHUEN, MA 01844 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $963 | $0 | $963 | 6.72% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW | INSURANCE AGENCY INC ONE GRIFFIN BROOK DR METHUEN, MA 018441804 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $412 | $204 | $616 | 4.30% |
| SIGNATOR INSURANCE AGENCY INC3 | 197 CLARENDON ST C 8-8 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $24 | $24 | 0.17% |
| ASSUREDPARTNERS3 Filed as: BORISLOW, JENNIFER A | ONE GRIFFIN BROOK DR METHUEN, MA 01844 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN GENERAL INSURANCE COMPANY | $599 | $55 | $654 | 12.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | -$68 | $0 | -$68 | -2.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HPHC INSURANCE COMPANY | $53 | $0 | $53 | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | HPHC INSURANCE COMPANY | -$50 | $0 | -$50 | — |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 121 | $2.9M |
| Vision | VISION SERVICE PLAN | 120 | $18K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $136K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $113K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $113K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.