| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEARY INSURANCE, INC.3 Filed as: CLEARY INSURANCE, INC | 226 CAUSEWAY ST # 302 BOSTON, MA 02114 | PRINCIPAL LIFE INSURANCE COMPANY | $39K | $0 | $39K | 10.00% |
| CLEARY INSURANCE, INC.3 Filed as: CLEARY INSURANCE, INC | 226 CAUSEWAY ST # 302 BOSTON, MA 02114 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 04-1045815 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.8M |
| MINUTE CLINIC LLC (CVS HEALTH) EIN 20-3555819 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $501K |
| LOOMIS SAYLES EIN 04-3200030 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $392K |
| DELTA DENTAL OF MASSACHUSETTS EIN 04-6143185 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $375K |
| MODERN ASSISTANCE EIN 04-3014253 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $309K |
| EMPLOYEE A EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $223K |
| ZENITH AMERICAN SOLUTIONS INC EIN 52-1590516 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $219K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Other fees; Direct payment from the plan Service code 50 | — | $207K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $131K |
| EMPLOYEE B EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $125K |
| EMPLOYEE J EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $96K |
| EMPLOYEE O EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $96K |
| KRAKOW & SOURIS LLC EIN 04-3363718 NONE | Legal; Direct payment from the plan Service code 29 | — | $96K |
| ICORPS TECHNOLOGIES EIN 04-3322710 NONE | Direct payment from the plan; Other services Service code 49 | — | $78K |
| EMPLOYEE S EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $78K |
| EMPLOYEE H EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $76K |
| EMPLOYEE C EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Plan Administrator Service code 14 | — | $75K |
| LAW OFFICE OF KATHRYN S. SHEA EIN 86-2611553 NONE | Legal; Direct payment from the plan Service code 29 | — | $70K |
| NOVAK FRANCELLA,LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $69K |
| EMPLOYEE M EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $66K |
| EMPLOYEE D EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $62K |
| EMPLOYEE P EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $60K |
| AFL-CIO HOUSING INVESTMENT TRUST EIN 52-6220193 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $59K |
| EMPLOYEE E EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| EMPLOYEE L EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| EMPLOYEE Q EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $57K |
| CAREMARK RX, INC. EIN 95-3382344 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $55K |
| EMPLOYEE R EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $53K |
| EMPLOYEE K EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| EMPLOYEE I EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $50K |
| CBIZ EIN 31-1582098 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $46K |
| MANZI & ASSOCIATES LLC EIN 04-3508036 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $44K |
| EMPLOYEE G EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $43K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $42K |
| STATE STREET BANK & TRUST EIN 04-1867445 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $42K |
| DAVIS VISION EIN 11-3051991 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $32K |
| EMPLOYEE F EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $29K |
| EMPLOYEE N EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $28K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $28K |
| IRON MOUNTAIN RECORDS MANAGEMENT EIN 04-3038590 NONE | Direct payment from the plan; Other services Service code 49 | — | $17K |
| ROBERT HALF EIN 94-1648752 NONE | Other services; Direct payment from the plan Service code 49 | — | $16K |
| NAN THE NURSE, LLC EIN 85-1049491 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $15K |
| SEGAL ROITMAN & COMPANY EIN 04-2489114 NONE | Legal; Direct payment from the plan Service code 29 | — | $12K |
| PAYCHEX EIN 16-1124166 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $8K |
| NASDAQ CORPORATE SOLUTIONS LLC EIN 46-2577267 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $6K |
| NEW TOWER TRUST COMPANY EIN 30-0872552 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $0 |
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 | 6,287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,430 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,717 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 5,479 | $425K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,479 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.