No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 04-1045815 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $283K |
| ELAINE LAFLEUR EIN 04-6116422 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $82K |
| SAVEON NONE | Direct payment from the plan; Claims processing Service code 12 | 40 LA RIVIERE SUITE 310 BUFFALO, NY 14202 | $78K |
| FOLEY CONNELLY NONE | Direct payment from the plan; Consulting fees; Consulting (general) Service code 16 | 37 ELM STREET WEST SPRINGFIELD, MA 01089 | $30K |
| KRAKOW, SOURIS AND LANDRY EIN 04-3363718 NONE | Legal; Direct payment from the plan Service code 29 | — | $30K |
| LAPIER, DILLON AND ASSOCIATES PC EIN 32-0048525 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $17K |
| MODERN ASSISTANCE EIN 04-3014253 NONE | Direct payment from the plan; Sub-transfer agency fees Service code 50 | — | $16K |
| AJE FINANCIAL NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 588 CENTER STREET LUDLOW, MA 01056 | $13K |
| COMPUDAT SYSTEMS NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 121 LORING ST SALEM, MA 01970 | $11K |
| CYBERSYSTEMS NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 127 TWINS HILLS DRIVE LONGMEADOW, MA 01106 | $7K |
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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE INSURANCE | 443 | $37K |
| Prescription drug | EXPRESS SCRIPTS | 93 | $226K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD | 341 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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."
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.