| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY SUITE 400 WAKEFIELD, MA 01880 | HARVARD PILGRIM HEALTH CARE | $38K | $0 | $38K | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN BURLINGTON, MA 01803 | HARVARD PILGRIM HEALTH CARE | $220 | $0 | $220 | 0.01% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY SUITE 400 WAKEFIELD, MA 01880 | HARVARD PILGRIM HEALTH CARE | $12K | $0 | $12K | 1.46% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY SUITE 400 WAKEFIELD, MA 01880 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 3.27% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $4K | $17K | 10.77% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $4K | $6K | 12.07% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY SUITE 400 WAKEFIELD, MA 01880 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $228 | $2K | 4.65% |
| EASTERN BENEFITS GROUP | PO BOX 4000 WAKEFIELD, MA 01880 | EYEMED VISION CARE | $1K | $0 | $1K | 7.44% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY SUITE 400 WAKEFIELD, MA 01880 | EYEMED VISION CARE | $525 | $0 | $525 | 3.00% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | EYEMED VISION CARE | $524 | $0 | $524 | 10.11% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | ONE LIBERTY SQUARE, SUITE 600 BOSTON, MA 02109 | FEDERAL INSURANCE COMPANY | $101 | $0 | $101 | 15.07% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 494 | $3.6M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 564 | $267K |
| Vision(2 contracts) | EYEMED VISION CARE | 340 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $211K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $211K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $211K |
| Prescription drug(2 contracts) | HARVARD PILGRIM HEALTH CARE | 494 | $3.6M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.