No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASS, INC EIN 04-1045815 NONE | Direct payment from the plan; Claims processing Service code 12 | 401 PARK DRIVE BOSTON, MA 02215 | $424K |
| ROOFERS UNION LOCAL NO. 3 ADMISTR EIN 04-2628775 JOINT OPERATING FUND | Plan Administrator; Direct payment from the plan Service code 14 | 53 EVANS DRIVE STOUGHTON, MA 02072 | $145K |
| DELTA DENTAL EIN 04-6143185 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $44K |
| CBIZ BENEFITS & INSURANCE SERVICE EIN 31-1582098 NONE | Actuarial; Direct payment from the plan Service code 11 | 6050 OAK TREE BLVD, STE 500 CLEVELEND, OH 44131 | $32K |
| CAMPANA, SARZA & TATEWOSIAN, LLP EIN 05-0392492 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 300 METRO CENTER BLVD., ST.225 WARWICK, RI 02886 | $25K |
| HILB GROUP OF NEW ENGLAND EIN 47-1098088 NONE | Consulting (general); Direct payment from the plan Service code 16 | 30 BRAINTREE HILL OFFICE PARK,ST203 BRAINTREE, MA 02184 | $19K |
| KRAKOW & SOURIS EIN 04-3363718 NONE | Legal; Direct payment from the plan Service code 29 | 225 FRIEND STREET BOSTON, MA 02114 | $19K |
| U.S. REAL ESTATE INVESTMENT FUND EIN 11-3786306 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 1270 SOLDIERS FIELD ROAD BOSTON, MA 02135 | $16K |
| SEGAL ADVISORS, INC. EIN 13-2646110 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $6K |
| AFL-CIO HOUSING INVESTMENT TRUST EIN 52-6220193 NONE | Direct payment from the plan; Investment management Service code 28 | 2401 PENNSYLVANIA AVE. NW, STE.200 WASHINGTON, DC 20037 | $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 | 621 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 125 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 9 | $26K |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 1,093 | $0 |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 443 | $70K |
| Stop-loss / reinsurancereinsurance | ULLICO | 618 | $1.2M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 443 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,093 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.