No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 04-1045815 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.6M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $167K |
| MODERN ASSISTANCE PROGRAM EIN 04-3014253 NONE | Direct payment from the plan; Other fees Service code 50 | — | $88K |
| EMPLOYEE C EIN 04-2167074 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $53K |
| MANZI & ASSOCIATES LLC EIN 04-3508036 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $50K |
| BASYS INC. EIN 52-1796473 NONE | Other services; Direct payment from the plan Service code 49 | — | $42K |
| INCOME RESEARCH MANAGEMENT EIN 04-2955404 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $40K |
| THE SAVITZ ORGANIZATION EIN 26-1371674 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $29K |
| KRAKOW & SOURIS EIN 04-3363718 NONE | Legal; Direct payment from the plan Service code 29 | — | $24K |
| EMPLOYEE E EIN 04-2167074 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $21K |
| STANDARD LIFE INVESTMENTS EIN 98-0631992 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $17K |
| EMPLOYEE B EIN 04-2167074 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $16K |
| EMPLOYEE A EIN 04-2167074 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $16K |
| EMPLOYEE D EIN 04-2167074 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $12K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $11K |
| NEOPOST EIN 94-2388882 NONE | Direct payment from the plan Service code 50 | — | $9K |
| NEPC LLC EIN 26-1429809 NONE | Accounting (including auditing); Consulting fees; Direct payment from the plan Service code 10 | — | $9K |
| BLUE ROCK ADVISORS LLC EIN 37-1797550 NONE | Other investment fees and expenses; Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $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 | 2,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 592 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,695 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 5,779 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 5,779 | $1.1M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 5,779 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,779 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.