| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| H.J. KNIGHT INTERNATIONAL INSURANCE3 | 30 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 02184 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 13.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS INC EIN 04-2734278 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $196K |
| DIANNE SHANAHAN EIN 04-2624972 EMPLOYEE | Direct payment from the plan; Plan Administrator Service code 14 | — | $100K |
| MELISSA THOMAS EIN 04-2624972 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $74K |
| PATRIOT MULLARE ASSOCIATES EIN 04-2965097 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $73K |
| JEANNE POWERS EIN 04-2624972 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $70K |
| DELTA DENTAL OF MASSACHUSETTS EIN 04-6143185 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $18K |
| MODERN ASSISTANCE PROGRAMS, INC EIN 04-3014253 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $17K |
| MANZI & ASSOCIATES LLC EIN 04-3508036 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $14K |
| TOUCHSTONE CONSULTING GROUP EIN 04-3299274 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $11K |
| FL PUTNAM EIN 01-0403396 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $7K |
| REID AND REIGE,PC EIN 06-0867204 NONE | Legal; Direct payment from the plan Service code 29 | — | $6K |
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 | 577 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 418 | $159K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 418 | $159K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 565 | $832K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 418 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.