| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISPLER, DAVID B3 | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | SYMETRA LIFE INSURANCE COMPANY | $269K | — | $269K | 20.80% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $129K | — | $129K | 10.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | PO BOX 28 DUBUQUE, IA 52004 | SYMETRA LIFE INSURANCE COMPANY | $0 | $50K | $50K | 3.84% |
| BLUE BENEFIT ADMINISTRATORS OF MASS3 | PO BOX 55917 BOSTON, MA 02205 | NA SPECIALTY INS. (SWISS RE) | — | $513K | $513K | 56.39% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | NA SPECIALTY INS. (SWISS RE) | — | $124K | $124K | 13.58% |
| DAVID RISPLER3 | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | SYMETRA LIFE INSURANCE COMPANY | $68K | — | $68K | 21.58% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | PO BOX 28 DUBUQUE, IA 52004 | SYMETRA LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| RISPLER, DAVID B3 Filed as: RISPLER, DAVID | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $5K | — | $5K | 10.00% |
No Schedule C service providers reported on this filing.
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 | 1,283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NA SPECIALTY INS. (SWISS RE) | 676 | $911K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 619 | $45K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,283 | $1.3M |
| Short-term disability(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 1,283 | $1.4M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,283 | $1.3M |
| Other(3 contracts) | SYMETRA LIFE INSURANCE COMPANY | 1,283 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,283 | — |
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.