| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND Filed as: HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW DRIVE BLVD, SUITE CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $41K | — | $41K | 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 | 4.00% |
| HILB GROUP OF NEW ENGLAND Filed as: HILB GROUP OF NEW ENGLAND LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $3K | — | $3K | 10.00% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 7.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 30 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 02184 | HARTFORD LIFE AND ACCIDENT | $941 | — | $941 | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD SUITE 240 CRANSTON, RI 02920 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GAIL MILLS EIN 04-6049991 PLAN ADMINISTRATOR | Employee (plan) Service code 30 | 7 FREDERIKA STREET BOSTON, MA 02124 | $38K |
| BOSTON TRUST WALDEN COMPANY EIN 04-2273811 NONE | Trustee (discretionary); Investment management; Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Custodial (securities); Direct payment from the plan; Trustee (directed) Service code 19 | 1 BEACON STREET BOSTON, MA 02108 | $28K |
| CAMPBELL DEVASTO & ASSOCIATES CPA EIN 04-2779892 NONE | Accounting (including auditing) Service code 10 | 175 DERBY STREET UNIT 2 HINGHAM, MA 02043 | $26K |
| CBIZ SAVITZ EIN 26-1371674 NONE | Actuarial Service code 11 | 1845 WALNUT STREET PHILADELPHIA, PA 19103 | $23K |
| AIMEE LINCOLN EIN 04-6049991 ASSISTANT ADMINISTRATOR | Employee (plan) Service code 30 | 7 FREDERIKA STREET BOSTON, MA 02124 | $23K |
| VICTORIA GRIGNON EIN 04-6049991 ADMINISTRATIVE ASSISTANT | Employee (plan) Service code 30 | 7 FREDERIKA STREET BOSTON, MA 02124 | $23K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 23-2182079 NONE | Other fees Service code 99 | TWO EXECUTIVE CAMPUS 400 CHERRY HILL, NJ 08002 | $21K |
| KRAKOW & SOURIS LLC EIN 04-3363718 NONE | Legal Service code 29 | 225 FRIEND STREET BOSTON, MA 02114 | $18K |
| LAUREN BLUNDELL EIN 04-6049991 ADMINISTRATIVE ASSISTANT | Employee (plan) Service code 30 | 7 FREDERIKA STREET BOSTON, MA 02108 | $15K |
| MODERN ASSISTANCE EIN 04-3014253 N/A | 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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 540 | $207K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 542 | $29K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 322 | $19K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 322 | $19K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 238 | $585K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.