| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 4 COPLEY PLACE 6TH FL BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $24K | — | $24K | 1.14% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 25 HARVARD STREET WORCESTER, MA 01609 | HARVARD PILGRIM HEALTH CARE | $8K | — | $8K | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY LLC | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $7K | $23K | 12.19% |
| HP PLANNING LLC3 | 25 HARVARD STREET WORCESTER, MA 01609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 4 COPLEY PLACE 6TH FL BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 1.39% |
| HP PLANNING LLC3 | 25 HARVARD STREET WORCESTER, MA 01609 | HARVARD PILGRIM HEALTH CARE | $509 | — | $509 | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | VISION SERVICE PLAN | $1K | — | $1K | 5.16% |
| INCENTIVE GROUP3 Filed as: THE INCENTIVE GROUP | 201 JONES RD STE 625 WALTHAM, MA 02451 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $343 | — | $343 | 2.62% |
| CHRISTOPHER MANZI3 | 400 COLONIAL DRIVE IPSWICH, MA 01938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | — | $234 | 1.79% |
| THOMAS BENEFITS INC3 Filed as: THOMAS BENEFITS INC. | 14 CHANDLER STREET SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 1.47% |
| DB INSURANCE INC3 Filed as: DB INSURANCE INC. | 23 FRANKLIN STREET SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 0.93% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 324 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $187K |
| Vision | VISION SERVICE PLAN | 146 | $21K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $187K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $187K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $187K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.