| 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 STREET 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 OF MASS EIN 04-1045815 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.9M |
| VITECH SYSTEMS SUB, LLC EIN 13-3785492 NONE | Direct payment from the plan; Other services Service code 49 | — | $194K |
| MODERN ASSISTANCE PROGRAMS, INC. EIN 04-3014253 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $139K |
| WILLIS TOWERS WATSON, NORTHEAST INC EIN 13-2695427 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $102K |
| HEALTHLINX LLC EIN 87-0660214 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $75K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 NONE | Investment management fees paid directly by plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Securities brokerage; Investment management; Direct payment from the plan; Other commissions; Recordkeeping fees; Other fees Service code 15 | — | $72K |
| GREGORY A GEIMAN EIN 04-6040880 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $72K |
| JENNIFER DOW EIN 04-6040880 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $68K |
| SEGAL ROITMAN, LLP EIN 04-2489114 LEGAL | Legal; Direct payment from the plan Service code 29 | — | $62K |
| CVS PHARMACY, INC EIN 05-0340626 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $58K |
| JENNIFER A VACHON EIN 04-6040880 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $54K |
| GINA M ALONGI EIN 04-6040880 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $53K |
| REBECCA ZACCARDI EIN 04-6040880 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $44K |
| THE STAYWELL COMPANY, LLC EIN 81-3100819 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $38K |
| LAURA JEAN HICKEY EIN 04-6040880 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $34K |
| DONALD R CHRISTY EIN 04-6040880 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $33K |
| CBIZ BENEFITS & INSURANCE SERVICES EIN 31-1582098 NONE | Consulting fees; Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $32K |
| JAMES M BURNS EIN 04-6040880 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $29K |
| ROSEMARIE ALONGI EIN 04-6040880 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $26K |
| DAVIS VISION EIN 11-3051991 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $25K |
| KROLL ASSOCIATES EIN 11-2286880 NONE | Other services; Direct payment from the plan Service code 49 | — | $17K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $15K |
| CTS SERVICES INC. EIN 04-3068502 NONE | Direct payment from the plan; Other services Service code 49 | — | $10K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Custodial (securities) Service code 19 | — | $9K |
| IRON MOUNTAIN EIN 04-3038590 NONE | Direct payment from the plan; Other services Service code 49 | — | $8K |
| ROBERT HALF INTERNATIONAL INC. EIN 94-1648752 NONE | Direct payment from the plan; Other services Service code 49 | — | $7K |
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 | 3,118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,171 | 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 | 3,346 | $928K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 3,045 | $516K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,346 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.