| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | HARVARD PILGRIM HEALTH CARE | $35K | $0 | $35K | 3.63% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HPHC INSURANCE COMPANY | $14K | $0 | $14K | 3.52% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HARVARD PILGRIM HEALTH CARE | $14K | $0 | $14K | 3.79% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HARVARD PILGRIM HEALTH CARE | $11K | $0 | $11K | 4.05% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HPHC INSURANCE COMPANY | $11K | $0 | $11K | 4.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $15K | 13.25% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HARVARD PILGRIM HEALTH CARE | $3K | $0 | $3K | 4.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 12.66% |
| STEVEN R KARAS3 Filed as: STEVEN ROBERT KARAS | 222 WARD ST NEWTON CENTRE, MA 024591329 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.91% |
| DAVID S HALLETT3 Filed as: DAVID SCOTT HALLET | 8 BROOK STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.70% |
| ERREN ROBATEAU3 | PO BOX 960427 BOSTON, MA 02196 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.44% |
| STEVEN MUNICHIELLO3 Filed as: STEVEN MUNICHIELLE | 72 PLEASANT ST FRANKLIN, MA 02038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.33% |
| COLE MERLO BOOTH3 | 53 GARDNER STREET UNIT 2 ALLSTON, MA 02134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.00% |
| JOEL B KARAS3 | 7 CUFFLIN ST BRIGHTON, MA 021352401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $828 | $0 | $828 | 1.37% |
| EVAN D CROSS3 | 100 ALLERTON RD MILTON, MA 021862838 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HARVARD PILGRIM HEALTH CARE | $1K | $0 | $1K | 3.25% |
| MARRAMA, MELISSA, A3 | ONCE GRIFFIN BROOK DR METHEUN, MA 01844 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 11.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $651 | $3K | 8.83% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW | INSURANCE AGENCY INC ONE GRIFFIN BROOK DR METHUEN, MA 01844 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $199 | $2K | 5.47% |
| SIGNATOR INSURANCE AGENCY INC3 | 197 CLARENDON ST C 8-8 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $0 | $76 | 0.26% |
| ASSUREDPARTNERS3 Filed as: BORISLOW, JENNIFER, A | ONE GRIFFIN BROOK DR METHUEN, MA 01844 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HARVARD PILGRIM HEALTH CARE | $1K | $0 | $1K | 4.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $963 | $0 | $963 | 6.46% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HPHC INSURANCE COMPANY | $717 | $0 | $717 | 5.37% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HPHC INSURANCE COMPANY | $329 | $0 | $329 | 2.79% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HPHC INSURANCE COMPANY | $358 | $0 | $358 | 3.25% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HARVARD PILGRIM HEALTH CARE | $294 | $0 | $294 | 3.80% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HPHC INSURANCE COMPANY | $358 | $0 | $358 | 5.06% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HPHC INSURANCE COMPANY | $149 | $0 | $149 | 6.32% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 115 | $2.5M |
| Vision | VISION SERVICE PLAN | 114 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $112K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $112K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $112K |
| Prescription drug(14 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 115 | $2.5M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.