Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingTotal premium grew more than 20% over the prior year. The plan is a good candidate to re-shop its carriers.
The primary carrier changed from the prior filing. The plan has shown it will move. Pitch it again on the next cycle.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Cleary Insurance, Inc LifeOther | LifeOther |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 1 contract with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 6,308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,256 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,564 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,745 | $505K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,745 | $505K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,745 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: The Guardian Life Insurance Company of America |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 04-1045815 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $3.3M |
| ASMED HEALTH LLC EIN 27-1489010 NONE | Direct payment from the plan; Other services Service code 49 | — | $1.5M |
| DELTA DENTAL OF MASSACHUSETTS EIN 04-6143185 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $423K |
| LOOMIS SAYLES EIN 04-3200030 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $414K |
| MODERN ASSISTANCE EIN 04-3014253 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $382K |
| BRIDGEWAY BENEFIT TECHNOLOGIES, LLC EIN 52-1796478 NONE | Direct payment from the plan; Other fees Service code 50 | — | $378K |
| EMPLOYEE A EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $334K |
| ZENITH AMERICAN SOLUTIONS INC EIN 52-1590516 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $252K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $213K |
| EMPLOYEE B EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $168K |
| EMPLOYEE H EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $139K |
| EMPLOYEE M EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $120K |
| ICORPS TECHNOLOGIES EIN 04-3322710 NONE | Direct payment from the plan; Other services Service code 49 | — | $109K |
| EMPLOYEE F EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $105K |
| NOVAK FRANCELLA,LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $95K |
| EMPLOYEE C EIN 04-6063733 EMPLOYEE | Plan Administrator; Direct payment from the plan Service code 14 | — | $90K |
| EMPLOYEE O EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $85K |
| EMPLOYEE J EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $81K |
| EMPLOYEE K EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $78K |
| STATE STREET BANK & TRUST EIN 04-1867445 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $76K |
| EMPLOYEE G EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $75K |
| KRAKOW & SOURIS LLC EIN 04-3363718 NONE | Legal; Direct payment from the plan Service code 29 | — | $75K |
| EMPLOYEE E EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $74K |
| EMPLOYEE I EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| AFL-CIO HOUSING INVESTMENT TRUST EIN 52-6220193 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $69K |
| EMPLOYEE D EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $68K |
| EMPLOYEE P EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $65K |
| IRON MOUNTAIN RECORDS MANAGEMENT EIN 04-3038590 NONE | Direct payment from the plan; Other services Service code 49 | — | $61K |
| EMPLOYEE Q EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $60K |
| JEREMY RITZENBERG LLC EIN 99-0696141 NONE | Legal; Direct payment from the plan Service code 29 | — | $54K |
| CBIZ EIN 31-1582098 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $47K |
| MANZI & ASSOCIATES LLC EIN 04-3508036 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $44K |
| EMPLOYEE N EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $43K |
| CAREMARK RX, INC. EIN 95-3382344 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $35K |
| LAW OFFICE OF KATHRYN S. SHEA EIN 86-2611553 NONE | Legal; Direct payment from the plan Service code 29 | — | $33K |
| EMPLOYEE L EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $32K |
| DAVIS VISION EIN 11-3051991 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $31K |
| EMPLOYEE T EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $31K |
| ROBERT HALF EIN 94-1648752 NONE | Other services; Direct payment from the plan Service code 49 | — | $30K |
| EMPLOYEE R EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $28K |
| EMPLOYEE S EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $25K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $24K |
| PAYCHEX EIN 16-1124166 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $23K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $22K |
| BOLTON PARTNERS EIN 52-1231144 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $15K |
| NAN THE NURSE, LLC EIN 85-1049491 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $11K |
| DONNEGAN SYSTEMS INC EIN 04-2590501 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $10K |
| MURPHY & KING, PC EIN 04-2746459 NONE | Legal; Direct payment from the plan Service code 29 | — | $9K |
| NASDAQ CORPORATE SOLUTIONS LLC EIN 46-2577267 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $7K |
| NEW TOWER TRUST COMPANY EIN 30-0872552 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $0 |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
1 contact
10 filings · 2016 to 2025