No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $104K |
| DELTA DENTAL OF MA EIN 04-6143185 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $22K |
| SEGAL CONSULTING GROUP EIN 06-0839113 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $19K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $14K |
| SEGAL ROITMAN, LLP EIN 04-2489114 NONE | Legal; Direct payment from the plan Service code 29 | — | $13K |
| MODERN ASSISTANCE NONE | Direct payment from the plan; Other fees Service code 50 | 300 CONGRESS ST, STE 104 QUINCY, MA 02169 | $11K |
| THE ANGELL GROUP EIN 04-2530412 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $7K |
| MARCO CONSULTING GROUP EIN 36-3555078 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $7K |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 131 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS HEALTH MAINTENANCE ORG INC. | 584 | $4.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 400 | $60K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASS, INC | 122 | $497K |
| Other | HARTFORD LIFE AND ACCIDENT | 400 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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.