| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4557 NEW YORK, NY 10249 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $22K | $777 | $23K | 1.93% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC | 2 ENTERPRISE DR SHELTON, CT 06484 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $7K | $2K | $9K | 0.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MA, INC. EIN 04-1045815 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Claims processing; Contract Administrator Service code 12 | — | $5.2M |
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 NONE | Direct payment from the plan; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.7M |
| NAS CARPENTERS PENSION FUND (CCA) EIN 51-6040899 COMMON BOARD | Direct payment from the plan; Plan Administrator Service code 14 | — | $1.5M |
| DELTA DENTAL OF MA EIN 04-6143185 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $689K |
| EXPRESS SCRIPTS, INC EIN 22-3461740 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $641K |
| THE SEGAL COMPANY (EASTERN STATES) EIN 13-1835864 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $466K |
| CHARTWELL INVESTMENT PARTNERS LLC EIN 36-4776242 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $208K |
| MELLON INVESTMENTS CORPORATION EIN 25-1442864 NONE | Investment management; Soft dollars commissions; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 28 | — | $159K |
| KGA, INC. EIN 04-3526805 NONE | Other services; Direct payment from the plan Service code 49 | — | $157K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $138K |
| WEDGE CAPITAL MANAGEMENT LLP EIN 56-1557450 NONE | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management; Soft dollars commissions Service code 28 | — | $130K |
| KRAKOW, SOURIS & LANDRY, LLC EIN 04-3363718 NONE | Legal; Direct payment from the plan Service code 29 | — | $129K |
| DODGE & COX INVESTMENT MANAGERS EIN 94-1441976 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Investment management Service code 28 | — | $119K |
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan Service code 12 | — | $111K |
| OREILLY, GROSSO, GROSS & JONES, PC EIN 04-3318596 NONE | Legal; Direct payment from the plan Service code 29 | — | $109K |
| PROFLEX ADMINISTRATORS LLC EIN 45-3261121 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $104K |
| LEVEL CARE HEALTH CONSORTIUM EIN 83-2819398 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $96K |
| STATE STREET BANK & TRUST CO. EIN 04-1867445 NONE | Investment management fees paid indirectly by plan; Distribution (12b-1) fees; Direct payment from the plan; Custodial (securities); Float revenue; Other fees; Investment management Service code 19 | — | $84K |
| LOOMIS, SAYLES & COMPANY EIN 04-3200030 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $79K |
| WELLINGTON TRUST COMPANY NA EIN 04-2755549 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $57K |
| BLACKROCK INSTL TRUST COMPANY, N.A. EIN 94-3112180 NONE | Investment management fees paid indirectly by plan; Direct payment from the plan; Trustee (discretionary); Investment management fees paid directly by plan; Investment management; Trustee (bank, trust company, or similar financial institution); Soft dollars commissions Service code 21 | — | $57K |
| DAVIS VISION, INC. EIN 11-3051991 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $56K |
| MEKETA INVESTMENT GROUP EIN 04-2659023 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $46K |
| THE WAGNER LAW GROUP EIN 04-3323315 NONE | Legal; Direct payment from the plan Service code 29 | — | $22K |
| FIRST ACTUARIAL CONSULTING INC EIN 26-3842522 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $21K |
| SEGAL SELECT INSURANCE SVCS, INC. EIN 46-0619194 NONE | Insurance services; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $18K |
| INNOVATIVE SOFTWARE SOLUTIONS INC EIN 23-2182079 NONE | Other services; Direct payment from the plan Service code 49 | — | $9K |
| RHUMBLINE ADVISERS LMTD PARTNERSHIP EIN 04-3118582 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $7K |
| PERFECT PRINTING SOLUTIONS INC EIN 47-4140223 NONE | Direct payment from the plan; Other services Service code 49 | — | $6K |
| PRODUCT RESEARCH CO INC EIN 16-1491225 NONE | Direct payment from the plan; Other services Service code 49 | — | $6K |
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 | 19,110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,095 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 21,205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 1,551 | $1.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,791 | $435K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,791 | $435K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,791 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.