| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE RD SOUTHBOROUGH, MA 01772 | SYMETRA LIFE INSURANCE COMPANY | — | $5K | $5K | 0.98% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST 5TH FL WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 800 BOYLSTON ST STE 600 BOSTON, MA 02199 | SYMETRA LIFE INSURANCE COMPANY | — | $1K | $1K | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 04-1045815 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.8M |
| MODERN ASSISTANCE PROGRAMS, INC. EIN 04-3014253 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $125K |
| EMPLOYEE A EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $85K |
| EMPLOYEE J EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $69K |
| EMPLOYEE V EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $66K |
| MORGAN STANLEY EIN 26-4310632 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $59K |
| EMPLOYEE W EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $57K |
| MANZI & ASSOCIATES, LLC EIN 04-3508036 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $56K |
| SEGAL ROITMAN, LLP EIN 04-2489114 NONE | Legal; Direct payment from the plan Service code 29 | — | $55K |
| CVS HEALTH EIN 05-0340626 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $55K |
| VITECH SYSTEMS GROUP, INC. EIN 13-3785492 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $46K |
| EMPLOYEE M EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $43K |
| EMPLOYEE T EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $42K |
| EMPLOYEE B EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $39K |
| HEALTHLINX EIN 87-0660214 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $38K |
| VSG HOSTING INC EIN 20-4487588 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $35K |
| STRATEGIC BENEFIT ADVISORS, INC EIN 14-1849341 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $35K |
| EMPLOYEE K EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $34K |
| EMPLOYEE P EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $33K |
| EMPLOYEE I EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $31K |
| THE STAYWELL COMPANY LLC EIN 94-3151780 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $30K |
| DAVIS VISION, INC. EIN 11-3051991 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $29K |
| EPIC HEARING HEALTHCARE EIN 95-4660712 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $27K |
| CBIZ RETIREMENT PLAN SERVICES EIN 31-1582098 NONE | Actuarial; Consulting fees; Consulting (general); Direct payment from the plan Service code 11 | — | $23K |
| EMPLOYEE O EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $23K |
| EMPLOYEE C EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $20K |
| EMPLOYEE D EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $20K |
| EMPLOYEE Q EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $20K |
| SEGAL MARCO ADVISORS EIN 13-1835864 NONE | Investment management; Direct payment from the plan Service code 28 | — | $15K |
| EMPLOYEE E EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $15K |
| EMPLOYEE H EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $14K |
| EMPLOYEE R EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $14K |
| EMPLOYEE G EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $13K |
| EMPLOYEE F EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $12K |
| EMPLOYEE U EIN 04-6040880 EMPLOYEE | Employee (plan) Service code 30 | — | $12K |
| HANNAFORD & DUMAS EIN 04-2593260 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $11K |
| CTS SERVICES EIN 04-3068502 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $11K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 NONE | Investment management fees paid indirectly by plan; Custodial (other than securities); Other fees; Soft dollars commissions; Investment management fees paid directly by plan; Custodial (securities) Service code 18 | — | $8K |
| RAPID7, INC EIN 35-2423994 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $8K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $8K |
| IRON MOUNTAIN RECORDS MANAGEMENT EIN 04-3038590 NONE | Direct payment from the plan; Other services Service code 49 | — | $7K |
| STATE STREET BANK & TRUST CO EIN 04-1867445 NONE | Investment management fees paid indirectly by plan; Non-monetary compensation; Investment management fees paid directly by plan; Other fees; Trustee (directed); Investment management; Float revenue; Custodial (securities); Distribution (12b-1) fees Service code 19 | — | $1K |
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 | 2,981 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,042 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 3,045 | $516K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 3,363 | $767K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 3,045 | $516K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,363 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.