| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST 5TH FL WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $30K | — | $30K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASS EIN 04-1045815 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.0M |
| LYRA HEALTH EIN 47-2935915 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $148K |
| VITECH SYSTEMS SUB, LLC EIN 13-3785492 NONE | Direct payment from the plan; Other services Service code 49 | — | $145K |
| HEALTHLINX LLC EIN 87-0660214 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $127K |
| WILLIS TOWERS WATSON, NORTHEAST INC EIN 13-2695427 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $126K |
| GREGORY A GEIMAN EIN 04-6040880 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $121K |
| PRUDENT RX EIN 95-4477265 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $110K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 11-3658445 NONE | Direct payment from the plan; Securities brokerage; Other services; Recordkeeping fees; Other fees; Other commissions; Investment management; Investment management fees paid directly by plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $102K |
| O'DONOGHUE & O'DONOGHUE EIN 53-0120528 NONE | Legal; Direct payment from the plan Service code 29 | — | $75K |
| REBECCA ZACCARDI EIN 04-6040880 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| LAW OFFICE OF KATHRYN S. SHEA EIN 86-2611553 LEGAL | Legal; Direct payment from the plan Service code 29 | — | $67K |
| LIVONGO EIN 26-3542036 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $63K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $59K |
| DONALD R CHRISTY EIN 04-6040880 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $56K |
| LAURA JEAN HICKEY EIN 04-6040880 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $55K |
| VSG HOSTING SUB, LLC EIN 20-4487588 NONE | Other services; Direct payment from the plan Service code 49 | — | $53K |
| JAMES M BURNS EIN 04-6040880 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| WENDY BATCHELDER EIN 04-6040880 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $41K |
| DEREK OETINGER EIN 04-6040880 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $41K |
| MODERN ASSISTANCE PROGRAMS, INC. EIN 04-3014253 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $40K |
| CBIZ BENEFITS & INSURANCE SERVICES, EIN 31-1582098 NONE | Actuarial; Direct payment from the plan; Consulting fees; Consulting (general) Service code 11 | — | $36K |
| KAREN L LARSEN EIN 04-6040880 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $34K |
| 617 MEDIA GROUP EIN 90-1252805 NONE | Direct payment from the plan; Other services Service code 49 | — | $34K |
| KAYLA L COBB EIN 04-6040880 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $33K |
| ASHLEY MORENO EIN 04-6040880 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $32K |
| MCMC SERVICES, LLC EIN 85-2321015 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $20K |
| CTS SERVICES INC. EIN 04-3068502 NONE | Other services; Direct payment from the plan Service code 49 | — | $20K |
| KROLL ASSOCIATES EIN 11-2286880 NONE | Direct payment from the plan; Other services Service code 49 | — | $17K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Investment management fees paid directly by plan; Custodial (securities); Investment management fees paid indirectly by plan Service code 19 | — | $15K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $15K |
| EYEMED EIN 31-1656473 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $15K |
| IRON MOUNTAIN INC. EIN 23-2588479 NONE | Direct payment from the plan; Other services Service code 49 | — | $13K |
| ROBERT HALF INC. EIN 94-1648752 NONE | Other services; Direct payment from the plan Service code 49 | — | $5K |
| SEGAL SELECT INSURNACE SERVICES INC EIN 46-0619194 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $5K |
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 | 3,496 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 3,345 | $605K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 3,670 | $2.6M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 3,345 | $605K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,670 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.