| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE ST ANDOVER, MA 01810 | HARVARD PILGRIM HEALTH CARE | $62K | — | $62K | 2.82% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY, SE SUITE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 0.15% |
| HPHC INSURANCE AGENCY, INC.3 Filed as: HPHC INSURANCE AGENCY | 93 WORCESTER ST WELLESLEY HILLS, MA 02481 | GUARDIAN | $8K | — | $8K | 5.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE ST WILMINGTON, MA 01887 | GUARDIAN | $4K | — | $4K | 2.80% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | GUARDIAN | $171 | — | $171 | 0.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 300 BALLARDVALE ST ANDOVER, MA 01810 | EQUITABLE | $8K | — | $8K | 9.71% |
| INDIGO INSURANCE SERVICES3 | 401 PARK DR BOSTON, MA 02199 | EQUITABLE | — | $6K | $6K | 7.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | EQUITABLE | $435 | — | $435 | 0.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE ST WILMINGTON, MA 01887 | GUARDIAN | $1K | — | $1K | 139.38% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER ST WELLESLEY HILLS, MA 02481 | GUARDIAN | $1K | — | $1K | 100.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $97 | — | $97 | 9.07% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 316 | $2.2M |
| Dental | GUARDIAN | 218 | $141K |
| Vision | GUARDIAN | 218 | $1K |
| Life insurance | EQUITABLE | 224 | $85K |
| Short-term disability | EQUITABLE | 224 | $85K |
| Long-term disability | EQUITABLE | 224 | $85K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 316 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.