| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN MURPHY3 Filed as: KEVIN HARRINGTON | 36 STACY LANE HANOVER, MA 02339 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 4.94% |
| THE SEGAL COMPANY3 | 116 HUNTINGTON AVE, 8TH FLR BOSTON, MA 02116 | HCC LIFE INSURANCE COMPANY | $12K | — | $12K | 8.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TUFTS BENEFIT ADMINISTRATORS EIN 04-3270923 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $950K |
| PDC ADMINISTRATIVE ACCOUNT EIN 04-2824420 AFFILIATED FUND | Contract Administrator; Direct payment from the plan Service code 13 | — | $696K |
| THE SEGAL COMPANY EIN 13-1928058 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $179K |
| DELTA DENTAL EIN 04-6143185 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $179K |
| EMPLOYEE A EIN 04-2150983 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $127K |
| EMPLOYEE B EIN 04-2150983 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $98K |
| MODERN ASSISTANCE EIN 04-3014253 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $86K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $82K |
| EMPLOYEE F EIN 04-2150983 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $78K |
| EMPLOYEE C EIN 04-2150983 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $75K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $68K |
| EMPLOYEE H EIN 04-2150983 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| EMPLOYEE G EIN 04-2150983 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| EMPLOYEE I EIN 04-2150983 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| INNOVATIVE SOFTWARE SOLUTIONS INC EIN 04-3238118 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $56K |
| RYAN LABS ASSET MANAGEMENT INC EIN 47-3503928 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $50K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $49K |
| BOSTON PARTNERS GLOBAL INVESTORS EIN 98-0202744 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Investment management Service code 28 | — | $37K |
| UNION LABOR LIFE INSURANCE COMPANY EIN 13-1423090 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $35K |
| HEXAVEST INC. EIN 27-4751991 NONE | Investment management; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $30K |
| MEKETA INVESTMENT GROUP EIN 04-2659023 NONE | Other investment fees and expenses; Investment management; Investment management fees paid directly by plan Service code 28 | — | $27K |
| SEGAL ROITMAN LLP EIN 04-2489114 NONE | Legal; Direct payment from the plan Service code 29 | — | $26K |
| ZELIS CLAIMS INTEGRITY INC EIN 47-4319823 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $19K |
| O'REILLY, GROSSO GROSS & JONES PC EIN 04-3318596 NONE | Legal; Direct payment from the plan Service code 29 | — | $15K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 NONE | Custodial (securities); Custodial (other than securities); Investment management fees paid directly by plan; Investment management; Other fees Service code 18 | — | $15K |
| COMMONWEALTH OF MASSACHUSETTS NONE | Direct payment from the plan; Other services Service code 49 | 100 HANCOCK STREET, 6TH FLR QUINCY, MA 02171 | $13K |
| BMO HARRIS BANK NA EIN 36-2085229 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $13K |
| DAVIS VISION EIN 11-3051991 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $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 | 2,193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 733 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE CO. | 2,193 | $239K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,220 | $147K |
| Other | AETNA LIFE INSURANCE CO. | 2,193 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,220 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.