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 | — | $193K |
| BLITMAN & KING LLP EIN 16-1047304 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $126K |
| MICHELLE SCHWEITZER EIN 04-2123707 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $86K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Consulting (general); Consulting fees Service code 16 | — | $85K |
| DEBRA GRIFFITH EIN 04-2123707 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $57K |
| KARA RICHOTTE EIN 04-2123707 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $46K |
| DENTAL SERVICES OF MASS. INC. EIN 04-6143185 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $42K |
| INNOVATIVE SOFTWARE SOLUTIONS INC. EIN 23-2182079 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $34K |
| MEKETA INVESTMENT GROUP INC. EIN 04-2659023 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $20K |
| PARAGUS STRATEGIC I.T. INC. EIN 20-4270900 COMPUTER CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan Service code 15 | — | $8K |
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 | 705 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,822 | $10.4M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 705 | $32K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,822 | $10.4M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 705 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,822 | — |
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.