Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The filing reports zero broker compensation on a plan over 100 participants. The plan likely buys direct or does not report its broker. Give it a call.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
HealthRxDental | HealthRxDental | |
LifeOther | LifeOther |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 2 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 772 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 777 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,642 | $14.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,642 | $14.3M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 694 | $57K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,642 | $14.3M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 694 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,642 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $221K |
| KARA RICHOTTE EIN 04-2123707 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $145K |
| THE SEGAL CO. (EASTERN STATES), INC EIN 13-1835864 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $105K |
| BLITMAN & KING LLP EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $85K |
| RUTH-ANN SOLEK EIN 04-2123707 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $82K |
| NATALIE MUTTI EIN 04-2123707 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $81K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 COMPUTER CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $73K |
| PATRICIA O'CONNOR EIN 04-2123707 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $67K |
| BLUE CROSS BLUE SHIELD OF MA. INC. EIN 04-1045815 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $47K |
| MEKETA INVESTMENT GROUP INC. EIN 04-2659023 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $26K |
| ENTRE TECHNOLOGIES EIN 04-2789702 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $25K |
| NETRAGUARD, INC EIN 45-3987925 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $25K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
1 contact
11 filings · 2015 to 2025