| 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 | METROPOLITIAN LIFE INSURANCE COMPANY | $35K | $0 | $35K | 9.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 04-1045815 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $2.9M |
| DELTA DENTAL OF MASSACHUSETTS EIN 04-6143185 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $394K |
| LOOMIS SAYLES EIN 04-3200030 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $376K |
| MODERN ASSISTANCE EIN 04-3014253 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $341K |
| EMPLOYEE A EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $254K |
| ZENITH AMERICAN SOLUTIONS INC EIN 52-1590516 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $224K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Direct payment from the plan; Other fees Service code 50 | — | $223K |
| EMPLOYEE B EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $146K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $133K |
| NOVAK FRANCELLA,LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $119K |
| EMPLOYEE I EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $106K |
| EMPLOYEE N EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $106K |
| MINUTE CLINIC LLC (CVS HEALTH) EIN 20-3555819 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $103K |
| LAW OFFICE OF KATHRYN S. SHEA EIN 86-2611553 NONE | Legal; Direct payment from the plan Service code 29 | — | $93K |
| EMPLOYEE R EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $88K |
| ICORPS TECHNOLOGIES EIN 04-3322710 NONE | Other services; Direct payment from the plan Service code 49 | — | $85K |
| EMPLOYEE G EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $85K |
| EMPLOYEE C EIN 04-6063733 EMPLOYEE | Plan Administrator; Direct payment from the plan Service code 14 | — | $81K |
| EMPLOYEE L EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| KRAKOW & SOURIS LLC EIN 04-3363718 NONE | Legal; Direct payment from the plan Service code 29 | — | $66K |
| EMPLOYEE H EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $66K |
| EMPLOYEE O EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $66K |
| EMPLOYEE E EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $64K |
| EMPLOYEE K EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $64K |
| CAREMARK RX, INC. EIN 95-3382344 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $63K |
| EMPLOYEE P EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $61K |
| EMPLOYEE S EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| EMPLOYEE Q EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| EMPLOYEE J EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $57K |
| AFL-CIO HOUSING INVESTMENT TRUST EIN 52-6220193 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $57K |
| STATE STREET BANK & TRUST EIN 04-1867445 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $55K |
| EMPLOYEE F EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| CBIZ EIN 31-1582098 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $46K |
| MANZI & ASSOCIATES LLC EIN 04-3508036 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $44K |
| EMPLOYEE D EIN 04-6063733 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $33K |
| DAVIS VISION EIN 11-3051991 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $31K |
| EMPLOYEE M EIN 04-6063733 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $30K |
| ASMED HEALTH LLC EIN 27-1489010 NONE | Other services; Direct payment from the plan Service code 49 | — | $25K |
| IRON MOUNTAIN RECORDS MANAGEMENT EIN 04-3038590 NONE | Direct payment from the plan; Other services Service code 49 | — | $24K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $22K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $22K |
| NAN THE NURSE, LLC EIN 85-1049491 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $13K |
| DONNEGAN SYSTEMS INC EIN 04-2590501 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $9K |
| 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 | Direct payment from the plan; Consulting (general) Service code 16 | — | $6K |
| NEW TOWER TRUST COMPANY EIN 30-0872552 NONE | Investment management fees paid indirectly by plan; Investment management 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 | 6,519 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,450 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,969 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITIAN LIFE INSURANCE COMPANY | 5,592 | $387K |
| Other | METROPOLITIAN LIFE INSURANCE COMPANY | 5,592 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,592 | — |
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.
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.