| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KD BENEFITS INSURANCE3 | 6 PARK LANE MARBLEHEAD, MA 01945 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $151K | — | $151K | 10.00% |
| INDIGO INSURANCE SVC3 | 446 MAIN ST, FL 5 WORCESTER, MA 01608 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $105K | — | $105K | 7.00% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST, 5TH FL WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| JOHN SCOTT NICOLAS3 Filed as: JOHN S NICOLAS | 6 PARK LANE MARBLEHEAD, MA 01945 | SYMETRA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Contract Administrator; Participant communication; Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services Service code 12 | — | $3.6M |
| ANTHEM HEALTH PLANS OF NH, INC. EIN 02-0510530 NONE | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1351 WM. HOWARD TAFT RD. CINCINNATI, OH 452061721 | $2.1M |
| LAW OFFICES OF DUMONT, MORRIS EIN 04-3098453 NONE | Legal Service code 29 | — | $299K |
| BENESYS EIN 38-2383171 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $281K |
| DELTA DENTAL PLAN OF NEW HAMPSHIRE EIN 02-0273013 NONE | Claims processing Service code 12 | — | $216K |
| PHARMACEUTICAL STRATEGIES GROUP EIN 20-2422296 NONE | Consulting (general) Service code 16 | — | $203K |
| ELDRIDGE INVESTMENT ADVISORS, INC EIN 02-0366808 NONE | Investment management fees paid directly by plan; Named fiduciary; Investment management Service code 28 | — | $174K |
| DAVID LAUGHTON EIN 02-6015031 TRUSTEE & EMPLOYEE (1/17) | Trustee (individual); Named fiduciary; Employee (plan); Employee (plan sponsor) Service code 20 | — | $166K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5881829 NONE | Claims processing Service code 12 | — | $135K |
| CHRISTINA KOSHA EIN 02-6015031 EMPLOYEE | Employee (plan); Employee (plan sponsor) Service code 30 | — | $135K |
| CATHERINE LAVIGNE EIN 02-6015031 EMPLOYEE | Employee (plan sponsor); Employee (plan) Service code 30 | — | $115K |
| MARCIA LAUGHTON EIN 02-6015031 EMPLOYEE | Employee (plan); Employee (plan sponsor) Service code 30 | — | $113K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Investment management; Float revenue; Investment management fees paid directly by plan Service code 28 | — | $105K |
| HOME VISION C/O PAUL JUSKIEWICZ EIN 36-4622924 NONE | Other services Service code 49 | — | $95K |
| DANIEL SULLIVAN, RPH EIN 02-6015031 NONE | Consulting (general) Service code 16 | — | $95K |
| MARQUETTE ASSOCIATES, INC. EIN 36-3485298 NONE | Investment advisory (plan) Service code 27 | — | $75K |
| ANN SIMPSON EIN 02-6015031 EMPLOYEE | Employee (plan); Employee (plan sponsor) Service code 30 | — | $69K |
| EISENBERG, VITAL & RYZE EIN 27-1409435 NONE | Other services Service code 49 | — | $53K |
| PENEE O'NEIL EIN 02-6015031 EMPLOYEE | Employee (plan); Employee (plan sponsor) Service code 30 | — | $48K |
| JANET FITZMAURICE EIN 02-6015031 EMPLOYEE | Employee (plan); Employee (plan sponsor) Service code 30 | — | $47K |
| LINDA PLANTE EIN 02-6015031 EMPLOYEE | Employee (plan); Employee (plan sponsor) Service code 30 | — | $47K |
| MARCIA CAMPBELL EIN 02-6015031 EMPLOYEE | Employee (plan sponsor); Employee (plan) Service code 30 | — | $47K |
| JOHNI BROWN EIN 02-6015031 EMPLOYEE | Employee (plan); Employee (plan sponsor) Service code 30 | — | $46K |
| HEATHER MACONAGHY EIN 02-6015031 EMPLOYEE | Employee (plan); Employee (plan sponsor) Service code 30 | — | $45K |
| AMIE O'LEARY EIN 02-6015031 EMPLOYEE | Employee (plan sponsor); Employee (plan) Service code 30 | — | $45K |
| JACKY BECHT EIN 02-6015031 EMPLOYEE | Employee (plan sponsor); Employee (plan) Service code 30 | — | $44K |
| DANA CONRAD EIN 02-6015031 EMPLOYEE | Employee (plan); Employee (plan sponsor) Service code 30 | — | $43K |
| NICHOLE KINNETT EIN 02-6015031 EMPLOYEE | Employee (plan sponsor); Employee (plan) Service code 30 | — | $43K |
| RABEYA KHATUN EIN 02-6015031 EMPLOYEE | Employee (plan); Employee (plan sponsor) Service code 30 | — | $43K |
| LAURA SARGENT EIN 02-6015031 EMPLOYEE | Employee (plan sponsor); Employee (plan) Service code 30 | — | $42K |
| ENVISION ANALYST EIN 33-0996975 NONE | Consulting (general) Service code 16 | — | $39K |
| DAVIS VISION, INC EIN 11-3051991 NONE | Contract Administrator; Claims processing Service code 12 | — | $38K |
| MARCIA FRAPPIER EIN 02-6015031 EMPLOYEE | Employee (plan sponsor); Employee (plan) Service code 30 | — | $38K |
| JESSICA ENO EIN 02-6015031 EMPLOYEE | Employee (plan); Employee (plan sponsor) Service code 30 | — | $38K |
| JESSICA STRATZ EIN 02-6015031 EMPLOYEE | Employee (plan); Employee (plan sponsor) Service code 30 | — | $37K |
| ELAINE BUNIE EIN 20-6015031 EMPLOYEE | Employee (plan); Employee (plan sponsor) Service code 30 | — | $36K |
| BLUE CROSS BLUE SHIELD OF MASS EIN 04-1045815 NONE | Participant communication; Contract Administrator; Float revenue; Claims processing Service code 12 | — | $33K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Contract Administrator; Claims processing Service code 12 | — | $30K |
| GEORGE BIRON, DMD EIN 02-0343317 NONE | Contract Administrator Service code 13 | — | $24K |
| THOMAS J. SYNAN, MD EIN 02-6015031 NONE | Consulting (general); Contract Administrator Service code 13 | — | $22K |
| DBR GROUP EIN 20-1906078 NONE | Actuarial Service code 11 | — | $19K |
| RONALD RABIDEAU EIN 02-6015031 TRUSTEE | Trustee (individual); Named fiduciary Service code 20 | — | $19K |
| ROBERT ROBICHAUD EIN 02-6015031 TRUSTEE | Trustee (individual); Named fiduciary Service code 20 | — | $16K |
| ROBERT PICCONE EIN 02-6015031 TRUSTEE | Trustee (individual); Named fiduciary Service code 20 | — | $15K |
| ROBERT HOLMES EIN 02-6015031 TRUSTEE | Trustee (individual); Named fiduciary Service code 20 | — | $13K |
| DENNIS MCGUIRE EIN 02-6015031 TRUSTEE | Trustee (individual); Named fiduciary Service code 20 | — | $11K |
| DENNEHY & BOULEY ASSOCIATES EIN 26-1479002 NONE | Consulting (general) Service code 16 | — | $5K |
| COMBINED SERVICES, LLC DBA CSONE BE EIN 02-0479434 NONE | Insurance agents and brokers Service code 22 | — | $0 |
| MPL LLC EIN 06-1537302 NONE | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 23 MAIDEN LANE NORTH HAVEN, CT 06473 | $0 |
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 | 9,861 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 904 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF MASSACHUSETTS | 289 | $542K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 8,556 | $1.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,444 | $2.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,444 | $2.5M |
| Other(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 8,556 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,556 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.