| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL INSURANCE AGENCY3 Filed as: SUMMIT FINANCIAL INS AGENCY INC., | SEVEN NEW ENGLAND EXE PARK SUITE 220 BURLINGTON, MA 01803 | HARVARD PILGRIM HEALTH CARE | $31K | $0 | $31K | 3.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | UNKNOWN WOBURN, MA 01801 | HARVARD PILGRIM HEALTH CARE | $3K | $0 | $3K | 0.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | HARVARD PILGRIM HEALTH CARE | $287 | $0 | $287 | 0.03% |
| LOCKTON COMPANIES, LLC3 | 195 SCOTT SWAMP ROAD, SUITE 201 FARMINGTON, CT 06032 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.03% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 Filed as: SUMMIT FINANCIAL INS AGENCY INC., | SEVEN NEW ENGLAND EXE PARK SUITE 220 BURLINGTON, MA 01803 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $566 | $566 | 0.41% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 Filed as: SUMMIT FINANCIAL INS AGENCY INC., | SEVEN NEW ENGLAND EXE PARK SUITE 220 BURLINGTON, MA 01803 | VISION SERVICE PLAN | $545 | $0 | $545 | 4.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $274 | $0 | $274 | 2.29% |
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 | 451 | 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) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 211 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 389 | $139K |
| Vision | VISION SERVICE PLAN | 80 | $12K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 389 | $139K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 389 | $139K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 211 | $1.0M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 389 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.