| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS | PO BOX 416672 BOSTON, MA 02241 | HARVARD PILGRIM HEALTH CARE | $16K | — | $16K | 1.11% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE | $8K | — | $8K | 0.52% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL CORP. | 74 GILMAN ROAD BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $316 | — | $316 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | PO BOX 416672 BOSTON, MA 02241 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 1.11% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 0.52% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL GROUP | 74 GILMAN ROAD BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $179 | — | $179 | 0.02% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 7.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS | 3 COPLEY PLACE STE 300 BOSTON, MA 02116 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 7.13% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | DELTA DENTAL OF MASSACHUSETTS | $7K | — | $7K | 2.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS | PO BOX 416672 BOSTON, MA 02241 | DELTA DENTAL OF MASSACHUSETTS | $3K | — | $3K | 1.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHSUETTS | PO BOX 416672 BOSTON, MA 02241 | VISION SERVICE PLAN | $779 | — | $779 | 3.40% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 393 | $2.3M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 606 | $237K |
| Vision | VISION SERVICE PLAN | 207 | $23K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $267K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $267K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $267K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 606 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.