No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONGRUITY WORKS LLC EIN 47-4367694 COMPUTER CONSULTANT | Consulting (general) Service code 16 | — | $83K |
| LESLIE EDWARDS DAVIS PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 6 UNIVERSITY DRIVE STE 206-299 AMHERST, MA 01002 | $83K |
| KRISTINE JONES ADMINISTRATIVE ASSISTANT | Plan Administrator Service code 14 | 6 UNIVERSITY DR. STE 206-229 AMHERST, MA 01002 | $61K |
| LAPIER DILLON AND ASSOCIATES PC EIN 32-0048525 AUDITORS | Accounting (including auditing) Service code 10 | — | $19K |
| PATRICIA FERAUD-KING ADMINISTRATIVE ASSISTANT | Plan Administrator Service code 14 | 6 UNIVERSITY DRIVE STE 206-229 AMHERST, MA 01002 | $19K |
| PARAGUS STRATEGIC I.T. EIN 20-4270900 COMPUTER CONSULTANT | Consulting (general) Service code 16 | — | $13K |
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 | 3,176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | ALTUS DENTAL INSURANCE COMPANY INC. | 2,907 | $0 |
| Other | METROPOLITAN GENERAL INSURANCE COMPANY | 195 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,907 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.