| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC. | 120 LONGWATER DR STE 102 NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE | $20K | — | $20K | 2.71% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC. | 5 CRYSTAL POND ROAD SOUTHBOROUGH, MA 01772 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.77% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.08% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND RHB, LLC | 1101 WORCESTER ROAD FRAMINGHAM, MA 01701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $101 | — | $101 | 0.22% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC. | 120 LONGWATER DR STE 102 NORWELL, MA 02061 | DEARBORN LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 121 | $728K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 67 | $46K |
| Vision | HARVARD PILGRIM HEALTH CARE | 121 | $728K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 43 | $19K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 121 | $728K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.