| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | — | SYMETRA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MA, INC. EIN 04-1045815 NONE | Claims processing; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $4.0M |
| NE CARPENTERS PENSION FUND (CCA) EIN 51-6040899 COMMON BOARD | Direct payment from the plan; Plan Administrator Service code 14 | — | $814K |
| ANTHEM HEALTH PLANS, INC. EIN 06-1475928 NONE | Float revenue; Other commissions; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Insurance services; Insurance agents and brokers; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $670K |
| IORA HEALTH, INC EIN 45-3514434 NONE | Other services; Direct payment from the plan Service code 49 | — | $507K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $466K |
| EXPRESS SCRIPTS, INC EIN 22-3461740 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $221K |
| TELLIGEN, INC EIN 42-0992483 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $179K |
| THE TRIZETTO GROUP EIN 33-0761159 NONE | Other services; Consulting (general); Direct payment from the plan Service code 16 | — | $155K |
| KGA, INC. EIN 04-3526805 NONE | Direct payment from the plan; Other services Service code 49 | — | $121K |
| MELLON INVESTMENTS CORPORATION EIN 25-1442864 NONE | Investment management; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Soft dollars commissions Service code 28 | — | $110K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $87K |
| KRAKOW, SOURIS & LANDRY, LLC EIN 04-3363718 NONE | Legal; Direct payment from the plan Service code 29 | — | $87K |
| BENESYS INC EIN 38-2383171 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $77K |
| DODGE & COX INVESTMENT MANAGERS EIN 94-1441976 NONE | Investment management; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $71K |
| O'REILLY, GROSSO, GROSS & JONES, PC EIN 04-3318596 NONE | Legal; Direct payment from the plan Service code 29 | — | $67K |
| MEKETA INVESTMENT GROUP EIN 04-2659023 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $61K |
| DANIEL A. WINTERS & COMPANY EIN 23-2586736 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $60K |
| STATE STREET BANK & TRUST CO. EIN 04-1867445 NONE | Custodial (securities); Investment management fees paid directly by plan; Investment management; Investment management fees paid indirectly by plan; Other fees; Trustee (bank, trust company, or similar financial institution) Service code 19 | — | $58K |
| DAVIS VISION, INC. EIN 11-3051991 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $56K |
| ZELIS CLAIMS INTEGRITY, LLC EIN 86-1040704 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $47K |
| BEHAVIORAL HEALTH CONSULTANTS, LLC EIN 06-1563820 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $46K |
| LOOMIS, SAYLES & COMPANY EIN 04-3200030 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $39K |
| DESCHAMPS PRINTING COMPANY EIN 04-2229659 NONE | Direct payment from the plan; Other services Service code 49 | — | $39K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Other fees; Direct payment from the plan; Float revenue; Claims processing Service code 12 | — | $35K |
| WARD FISHER & COMPANY, LLP EIN 05-0234540 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $32K |
| WELLINGTON TRUST COMPANY NA EIN 04-2755549 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $29K |
| CAROL WEIL, OD EIN 04-6374357 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $24K |
| PHYSICIAN'S REVIEW SERVICE NONE | Direct payment from the plan; Other services Service code 49 | 21 WOODLAND ST #311 HARTFORD, CT 06105 | $24K |
| CHANGE HEALTHCARE EIN 23-7032832 NONE | Direct payment from the plan; Other services Service code 49 | — | $24K |
| THE WAGNER LAW GROUP EIN 04-3323315 NONE | Legal; Direct payment from the plan Service code 29 | — | $23K |
| BEERS, HAMERMAN, COHEN & BURGER PC EIN 47-2517893 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| PALO INFORMATICS, LLC EIN 46-2647728 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $18K |
| REID & RIEGE, P.C. EIN 06-0867204 NONE | Legal; Direct payment from the plan Service code 29 | — | $17K |
| FAIR HEALTH, INC. EIN 90-0524293 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $16K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Investment management fees paid indirectly by plan; Custodial (other than securities); Custodial (securities); Investment management fees paid directly by plan Service code 18 | — | $15K |
| BLACKROCK INSTITUTIONAL TRUST CO NA EIN 94-3112180 NONE | Custodial (securities); Investment management; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 19 | — | $14K |
| SHANOSKY & ASSOCIATES EIN 04-6374357 NONE | Other services; Direct payment from the plan Service code 49 | — | $13K |
| NATIONAL SOFTWARE, INC. EIN 46-0638016 NONE | Other services; Direct payment from the plan Service code 49 | — | $12K |
| SEGAL SELECT INSURANCE SVCS, INC. EIN 46-0619194 NONE | Insurance agents and brokers; Insurance services; Insurance brokerage commissions and fees Service code 22 | — | $11K |
| OPTHALMIC CONSULTANTS OF BOSTON INC EIN 04-2500346 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $8K |
| PRECISION PRINTING EIN 04-3112177 NONE | Other services; Direct payment from the plan Service code 49 | — | $8K |
| CORSO PRINTING & ENGRAVING EIN 20-3101934 NONE | Direct payment from the plan; Other services Service code 49 | — | $7K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $7K |
| INSTEP MARKETING EIN 06-1327490 NONE | Direct payment from the plan; Other services Service code 49 | — | $7K |
| ALICARE MEDICAL MANAGEMENT EIN 13-3860528 NONE | Direct payment from the plan; Other services Service code 49 | — | $6K |
| ERISA EXPERT SERVICES, LLC CD EIN 47-2398985 NONE | Legal; Direct payment from the plan Service code 29 | — | $5K |
| OPTUMRX, INC | Other fees Service code 99 | — | $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 | 11,495 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,221 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 12,716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,881 | $10.9M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 23,332 | $1.6M |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 8,117 | $374K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 8,117 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,332 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.