| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 201 JONES ROAD STE 625 WALTHAM, MA 02451 | THE HARTFORD GROUP | $8K | — | $8K | 2.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MILA MANAGED HEALTH CARE EIN 13-3968546 OTHER SERVICES | Other services Service code 49 | 111 BROADWAY, 5TH FLOOR NEW YORK, NY 100061901 | $3.1M |
| MODERN ASSISTANCE PROGRAMS EIN 04-3014253 OTHER SERVICES | Other services Service code 49 | 1400 HANCOCK ST QUINCY, MA 02169 | $29K |
| O'BRIEN FUNERAL HOME EIN 04-2136230 OTHER SERVICES | Other services Service code 49 | 146 DORCHESTER ST BOSTON, MA 02127 | $18K |
| RUSSELL, BRIER & CO. LLP EIN 04-1796830 AUDITOR | Accounting (including auditing) Service code 10 | 10 POST OFFICE SQUARE BOSTON, MA 02109 | $17K |
| BISBEE-PORCELLA FUNERAL HOME EIN 04-2564824 OTHER SERVICES | Other services Service code 49 | 549 LINCOLN AVE. SAUGUS, MA 01906 | $9K |
| BUONFIGLIO FUNERAL HOME EIN 04-2661877 OTHER SERVICES | Other services Service code 49 | 128 REVERE ST REVERE, MA 02151 | $9K |
| CARTMELL FUNERAL HOMES EIN 04-2624509 OTHER SERVICES | Other services Service code 49 | 373 COURT STREET PLYMOUTH, MA 02360 | $9K |
| CARTWRIGHT-VENUTI FUNERAL HOME OTHER SERVICES | Other services Service code 49 | 845 WASHINGTON STREET BRAINTREE, MA 02184 | $9K |
| DELLO RUSSO FUNERAL HOME EIN 04-2164921 OTHER SERVICES | Other services Service code 49 | 306 MAIN STREET MEDFORD, MA 02155 | $9K |
| EDWARD V. SULLIVAN FUNERAL HOME OTHER SERVICES | Other services Service code 49 | 43 WINN STREET BURLINGTON, MA 01803 | $9K |
| JOHN J. O'CONNOR & SON FUNERAL HOME EIN 04-2273931 OTHER SERVICES | Other services Service code 49 | 740 ADDAMS STREET DORCHESTER, MA 02122 | $9K |
| KEOHANE FUNERAL HOME EIN 04-2257754 OTHER SERVICES | Other services Service code 49 | 785 HANCOCK ST QUINCY, MA 02170 | $9K |
| SULLIVAN FUNERAL HOMES EIN 04-2461467 OTHER SERVICES | Other services Service code 49 | 551 WASHINGTON ST. HANOVER, MA 02339 | $9K |
| WILLIAM F. SPENCER & SON FUNERAL HO EIN 03-3482127 OTHER SERVICES | Other services Service code 49 | 575 E BROADWAY BOSTON, MA 02127 | $6K |
| CBIZ INC EIN 31-1582098 ACTUARY | Actuarial Service code 11 | 75 SECOND AVE NEEDHAM, MA 02494 | $6K |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE HARTFORD GROUP | 278 | $286K |
| Short-term disability | THE HARTFORD GROUP | 278 | $286K |
| Other | THE HARTFORD GROUP | 278 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.