| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND FINANCIAL | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NEW ENGLAND LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BOSTON TRUST & IVESTMENT MGMT CO. EIN 04-2273811 NONE | Direct payment from the plan; Investment management Service code 28 | — | $141K |
| SCHWAB RETIREMENT PLAN SERVICES INC EIN 34-1479833 NONE | Direct payment from the plan; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $111K |
| GOSSELIN CONSULTING GROUP LLC EIN 27-2466321 NONE | Investment management; Direct payment from the plan Service code 28 | — | $48K |
| PARKER BROWN & MACAULAY P.C. EIN 04-3422478 NONE | Legal; Direct payment from the plan Service code 29 | — | $23K |
| SIGNATURE ESTATE & INVESTMENT EIN 95-4806910 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $9K |
| GW&K INVESTMENT MANAGEMENT LLC EIN 80-0250512 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $7K |
| CHARLES SCHWAB & CO., INC. EIN 94-1737782 NONE | Other investment fees and expenses; Direct payment from the plan; Shareholder servicing fees; Securities brokerage; Securities brokerage commissions and fees; Float revenue Service code 33 | — | $863 |
| CHARLES SCHWAB BANK EIN 42-1558009 NONE | Investment management fees paid indirectly by plan; Direct payment from the plan; Trustee (directed); Other services; Float revenue Service code 25 | — | $4 |
| CHARLES SCHWAB & CO. INC. AND AFFIL | Shareholder servicing fees Service code 59 | — | $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 | 570 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 210 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 5 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 785 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NEW ENGLAND LIFE INSURANCE COMPANY | 21 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.