| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HJ KNIGHT INTERNATIONAL Filed as: KNIGHT INTERNATIONAL INSURANCE AGEN | 30 BRAINTREE OFFICE PARK 203 BRAINTREE, MA 02184 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $28K | — | $28K | 7.00% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP OF NE, LLC | 2000 CHAPEL VIEW DR SUITE 240 CRANSTON, RI 02920 | ALTUS DENTAL INSURANCE COMPANY, INC. | $8K | — | $8K | 4.31% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD 240 CRANSTON, RI 02920 | SYMETRA LIFE INSURANCE COMPANY | $2K | $511 | $2K | 12.64% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN STREET 5TH FLOOR WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $966 | — | $966 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHRISTOPHER BROUSAIDES EIN 04-6049991 ADMINISTRATOR | Employee (plan) Service code 30 | 7 FREDERIKA STREET BOSTON, MA 02124 | $34K |
| CBIZ SAVITZ EIN 26-1371674 NONE | Actuarial Service code 11 | 1845 WALNUT STREET PHILADELPHIA, PA 19103 | $27K |
| BOSTON TRUST INVESTMENT MGMT COMPAN EIN 04-2273811 NONE | Custodial (securities); Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Investment management; Trustee (directed); Investment management fees paid directly by plan; Trustee (discretionary) Service code 19 | 1 BEACON STREET BOSTON, MA 02108 | $23K |
| GAIL MILLS EIN 04-6049991 ASSISTANT ADMINISTRATOR | Employee (plan) Service code 30 | 7 FREDERIKA STREET BOSTON, MA 02124 | $23K |
| ISSI EIN 23-2182079 NONE | Other fees Service code 99 | TWO EXECUTIVE CAMPUS 400 CHERRY HILL, NJ 08002 | $16K |
| CHRISTOPHER TYLER EIN 04-6049991 ADMINISTRATIVE ASSISTANT | Employee (plan) Service code 30 | 7 FREDERIKA STREET BOSTON, MA 02124 | $16K |
| KRAKOW & SOURIS LLC EIN 04-3363718 NONE | Legal Service code 29 | 225 FRIEND STREET BOSTON, MA 02114 | $15K |
| CAMPBELL DEVASTO & ASSOCIATES CPA EIN 04-2779892 NONE | Accounting (including auditing) Service code 10 | 175 DERBY STREET UNIT 2 HINGHAM, MA 02043 | $11K |
| MODERN ASSISTANCE EIN 04-3014253 | Consulting (general); Direct payment from the plan Service code 16 | 300 CONGRESS ST. STE 104 QUINCY, MA 02169 | $11K |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 551 | $175K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 323 | $19K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 323 | $19K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 237 | $493K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.