| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INSURANCE AGENC | UNKNOWN UNKNOWN, MA 00000 | HARVARD PILGRIM HEALTH CARE | $23K | $0 | $23K | 3.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | UNKNOWN UNKNOWN, MA 00000 | HARVARD PILGRIM HEALTH CARE | $7K | $0 | $7K | 0.96% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INSURANCE AGENC | UNKNOWN UNKNOWN, MA 00000 | HARVARD PILGRIM HEALTH CARE | $19K | $0 | $19K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | UNKNOWN UNKNOWN, MA 00000 | HARVARD PILGRIM HEALTH CARE | $6K | $0 | $6K | 0.93% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INS AGY | UNKNOWN UNKNOWN, MA 00000 | HPHC INSURANCE COMPANY | $10K | $0 | $10K | 3.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | UNKNOWN UNKNOWN, MA 00000 | HPHC INSURANCE COMPANY | $3K | $0 | $3K | 0.99% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INSURANCE AGENC | UNKNOWN UNKNOWN, MA 00000 | HARVARD PILGRIM HEALTH CARE | $9K | $0 | $9K | 3.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | UNKNOWN UNKNOWN, MA 00000 | HARVARD PILGRIM HEALTH CARE | $3K | $0 | $3K | 0.97% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INSURANCE AGENC | UNKNOWN UNKNOWN, MA 00000 | HPHC INSURANCE COMPANY | $9K | $0 | $9K | 3.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | UNKNOWN UNKNOWN, MA 00000 | HPHC INSURANCE COMPANY | $3K | $0 | $3K | 1.03% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INSURANCE AGENC | UNKNOWN UNKNOWN, MA 00000 | HARVARD PILGRIM HEALTH CARE | $4K | $0 | $4K | 2.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | UNKNOWN UNKNOWN, MA 00000 | HARVARD PILGRIM HEALTH CARE | $1K | $0 | $1K | 0.90% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INSURANCE | ONE GRIFFIN BROOK DR METHUEN, MA 018441804 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $467 | $8K | 8.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $411 | $4K | 4.58% |
| CHRISTINE GORDON3 | 123B WARREN AVE PLYMOUTH, MA 02360 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $998 | $0 | $998 | 1.65% |
| COLGATE BENEFITS INC3 | 43 MAGILL DR GRAFTON, MA 01519 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $710 | $23 | $733 | 1.21% |
| MELISSA A. MARRAMA3 Filed as: MELISSA A MARRAMA | ONE GRIFFIN BROOK DR METHUEN, MA 01844 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $577 | $0 | $577 | 0.96% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUNTIONS LTD | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $493 | $69 | $562 | 0.93% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INS AGY | ONE GRIFFIN BROOK DR METHUEN, MA 01844 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $520 | $0 | $520 | 0.86% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LN NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $416 | $38 | $454 | 0.75% |
| MICHAEL S OBERLANDER3 | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $157 | $0 | $157 | 0.26% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 0.14% |
| STEPHANIE DECHRISTOFARO3 | 1225 BLACK OAK DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.04% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.04% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: INSURANCE NETWORK OF NEW ENGLAND | PO BOX 178 NEW PORT, RI 02840 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.03% |
| MARRAMA, MELISSA, A3 | ONE GRIFFIN BROOK DR METHUEN, MA 01844 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 17.29% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INSURANCE AGENC | INSURANCE AGENCY INC ONE GRIFFIN BROOK DR METHUEN, MA 01844 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 11.77% |
| SIGNATOR INSURANCE AGENCY INC0 | 197 CLARENDON ST C 8-8 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $81 | $0 | $81 | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.20% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INS AGCY | 1 GRIFFIN BROOK DR METHUEN, MA 018441865 | VISION SERVICE PLAN | $791 | $0 | $791 | 5.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $121 | $0 | $121 | 0.84% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 97 | $2.4M |
| Vision | VISION SERVICE PLAN | 113 | $14K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 229 | $156K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 229 | $156K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 229 | $95K |
| Prescription drug(6 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 97 | $2.4M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 229 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.