No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIBNE LLC NONE | Other services; Direct payment from the plan Service code 49 | 2 WOLFE TERRACE NATICK, MA 01760 | $124K |
| INTERNATIONAL BROTHERHOOD TEAMSTERS EIN 53-0215427 RELATED PARTY | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $119K |
| MEDIMPACT HEALTHCARE SYSTEMS, INC EIN 33-0567651 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $118K |
| PILLAR RX CONSULTING LLC EIN 83-0714696 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $94K |
| UNITED AMERICAN INSURANCE CO EIN 73-1128555 NONE | Direct payment from the plan; Contract Administrator; Consulting fees Service code 13 | — | $75K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
| ALAN D. BILLER & ASSOCIATES INC EIN 94-2854958 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $18K |
| FEINBERG, DUMONT & BRENNAN NONE | Legal; Direct payment from the plan Service code 29 | 177 MILK ST 300 BOSTON, MA 02109 | $9K |
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 | 1,267,407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 500,000 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,767,407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN INSURANCE CO. | 848 | $175K |
| Other(6 contracts, 2 carriers) | UNITED AMERICAN INSURANCE COMPANY | 11,161 | $29.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,161 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.