| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIRARD FINANCIAL GROUP LLC3 | 7 S MAIN STREET MILLBURY, MA 01527 | SYMETRA LIFE INSURANCE | $21K | — | $21K | 10.81% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES NELLIGAN | 1933 STATE RTE 35 STE 368 WALL, NJ 07119 | SYMETRA LIFE INSURANCE | — | $13K | $13K | 6.43% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 2338 IMMOKALEE ROAD, SUITE 240 NAPLES, FL 34110 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 04-1045815 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.2M |
| EMPLOYEE C EIN 04-2219623 PLAN EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $178K |
| EMPLOYEE D EIN 04-2219623 PLAN EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $105K |
| CONGRESS WEALTH MANAGEMENT EIN 04-2848965 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $98K |
| EMPLOYEE E EIN 04-2219623 PLAN EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $89K |
| EMPLOYEE B EIN 04-2219623 PLAN EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $76K |
| MANZI & ASSOCIATES LLC EIN 04-3508036 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $63K |
| EMPLOYEE A EIN 04-2219623 PLAN EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $58K |
| EMPLOYEE F EIN 04-2219623 PLAN EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $57K |
| MEKETA INVESTMENT GROUP EIN 04-2659023 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $46K |
| BRIDGEWAY EIN 52-1796478 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $38K |
| ENCOMPASS NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 52 MAIN STREET MANCHESTER, CT 06042 | $36K |
| SUNSET LANDSCAPING NONE | Direct payment from the plan; Other services Service code 49 | 173 HENSHAW ST LEICESTER, MA 01524 | $35K |
| TPG HEALTHCARE CONSULTING EIN 20-8069824 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $21K |
| AQUARIUS CAPITAL SOLUTIONS GROUP EIN 32-0020166 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $20K |
| UNION BANK & TRUST EIN 41-1267434 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $17K |
| OTIS ELEVATOR NONE | Other services; Direct payment from the plan Service code 49 | 1 CARRIER PLACE FARMINGTON, CT 06032 | $13K |
| BOSTON BENEFIT PARTNERS EIN 04-3422351 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $12K |
| KINGS OF PRESSURE NONE | Direct payment from the plan; Other services Service code 49 | 30 HUNTOON MEMORIAL HWY LEICESTER, MA 01524 | $11K |
| INTERCONTINENTAL REAL ESTATE EIN 04-3613055 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $7K |
| DAVIS VISION EIN 11-3051991 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $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 | 1,222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE | 1,331 | $195K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD | 1,337 | $294K |
| Other | SYMETRA LIFE INSURANCE | 1,291 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,337 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.