No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VERRILL DANA LLP EIN 01-0176171 NONE | Legal; Direct payment from the plan Service code 29 | ONE PORTLAND SQUARE PORTLAND, ME 04101 | $42K |
| COHO PARTNERS, LTD EIN 23-3004662 NONE | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | 801 OLD CASSATT ROAD BERWYN, PA 19312 | $17K |
| MACQUARIE INVESTMENTS EIN 23-1859590 NONE | Investment management fees paid directly by plan; Direct payment from the plan; Investment management Service code 28 | 2005 MARKET STREET PHILADELPHIA, PA 19103 | $9K |
| LCG ASSOCIATES EIN 75-1680350 NONE | Direct payment from the plan; Investment management; Consulting (general); Accounting (including auditing) Service code 10 | 400 FALLERIA PARKWAY SUITE 1800 ATLANTA, GA 04010 | $6K |
| BANK OF AMERICA EIN 94-1687665 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Investment management fees paid indirectly by plan; Trustee (directed) Service code 21 | 225 FRANKLIN STREET BOSTON, MA 02110 | $5K |
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 | 13 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $1.1M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 76 | $38K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $754K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 17 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 14 | $10K |
| Prescription drug(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $1.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 17 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.