| 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 | $25K | $4K | $29K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HPHC INSURANCE COMPANY | $15K | $2K | $18K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $15K | $2K | $18K | 3.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $9K | $1K | $11K | 3.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HPHC INSURANCE COMPANY | $8K | $1K | $9K | 3.25% |
| 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 | $16K | 13.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $3K | $391 | $3K | 3.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $1K | $167 | $1K | 3.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $1K | $165 | $1K | 3.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 26.36% |
| STEVEN R KARAS3 Filed as: STEVEN ROBERT KARAS | 222 WARD ST NEWTON CENTRE, MA 024591329 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.12% |
| ERREN ROBATEAU3 | PO BOX 960427 BOSTON, MA 02196 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.39% |
| DAVID S HALLETT3 Filed as: DAVID SCOTT HALLET | 8 BROOK STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.24% |
| STEVEN MUNICHIELLO3 Filed as: STEVEN MUNICHIELLE | 72 PLEASANT ST FRANKLIN, MA 02038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.20% |
| JOEL B KARAS3 | 130 PARSONS ST BRIGHTON, MA 021352147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.01% |
| COLE MERLO BOOTH3 | 53 GARDNER STREET UNIT 2 ALLSTON, MA 02134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.95% |
| EVAN D CROSS3 | 100 ALLERTON RD MILTON, MA 021862838 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191 | $0 | $191 | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HPHC INSURANCE COMPANY | $590 | $91 | $681 | 3.58% |
| 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 | $962 | $2K | 13.64% |
| MARRAMA, MELISSA, A3 | ONE GRIFFIN BROOK DR METHUEN, MA 01844 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 7.75% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW | INSURANCE AGENCY INC ONE GRIFFIN BROOK DR METHUEN, MA 01844 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $600 | $144 | $744 | 4.11% |
| SIGNATOR INSURANCE AGENCY INC3 | 197 CLARENDON ST C 8-8 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.31% |
| 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 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $985 | $0 | $985 | 5.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HPHC INSURANCE COMPANY | $317 | $49 | $366 | 3.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN GENERAL INSURANCE COMPANY | $676 | $82 | $758 | 10.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02119 | HARVARD PILGRIM HEALTH CARE | $101 | $16 | $117 | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $179 | $28 | $207 | 4.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HPHC INSURANCE COMPANY | $73 | $11 | $84 | 2.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HPHC INSURANCE COMPANY | $166 | $26 | $192 | 7.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $61 | $9 | $70 | 5.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | HPHC INSURANCE COMPANY | -$54 | -$8 | -$62 | -7.51% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(17 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 114 | $2.7M |
| Vision | VISION SERVICE PLAN | 124 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 277 | $119K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 277 | $119K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 277 | $119K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 277 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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."
No prospect flags tripped on this filing.