| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DBR GROUP3 Filed as: DBR GROUP INC | 959 CONCORD STREET, SUITE 220 FRAMINGHAM, MA 01701 | BLUE CROSS BLUE SHIELD OF MASS. | $945K | — | $945K | 1.02% |
| KEVIN M HARRINGTON3 Filed as: KEVIN M. HARRINGTON | 770 DEDHAM STREET CANTON, MA 020211418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $40K | $20K | $60K | 7.50% |
| DBR GROUP3 Filed as: DBR GROUP INC | 959 CONCORD STREET, SUITE 220 FRAMINGHAM, MA 01701 | FALLON HEALTH | $8K | — | $8K | 3.20% |
| KEVIN M HARRINGTON3 Filed as: KEVIN M. HARRINGTON | 770 DEDHAM STREET CANTON, MA 020211418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 10.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAROL BLANCHARD, D.D.S EIN 04-6374631 EMPLOYEE | Employee (plan) Service code 30 | — | $281K |
| MARK ANTIDORMI EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $193K |
| TINA VALADES EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $189K |
| MARILYN ALTBUSH EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $183K |
| LAURIE MURPHY EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $180K |
| MICHAEL KATZ EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $176K |
| AZITA NEGAHBAN EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $171K |
| LARRY LIBBY EIN 04-6374631 EMPLOYEE | Employee (plan) Service code 30 | — | $170K |
| ZULLY CRIADO-HEDREEN EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $170K |
| PETER PAPPAS EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $167K |
| ARMAND IEBBA EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $164K |
| ANISSA DERROUCHE EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $161K |
| JOANNE C SCHULTZ EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $155K |
| MANJULA RAMANA EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $154K |
| ELENA JORDACHE EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $150K |
| EMERALD GREEN BUILDING SERVICE LLC EIN 45-4596664 NONE | Other services; Direct payment from the plan Service code 49 | — | $150K |
| ANGELIQUE BELISLE EIN 04-6374631 EMPLOYEE | Direct payment from the plan Service code 50 | — | $141K |
| MARK STANIUL EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $140K |
| KATHLEEN GROGAN EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $140K |
| DAVID HEFFERNAN EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $138K |
| HELEN REGAN EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $134K |
| DELTA DENTAL OF MASSACHUSETTES, INC EIN 04-6143185 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $133K |
| PATRICIA KOSIOREK EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $133K |
| HELEN VRAIBEL EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $132K |
| LAUREN MURPHY EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $129K |
| MARISSA BIALEK EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $129K |
| ELEANOR PERRY EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $123K |
| MEDCO HEALTH SOLUTIONS INC EIN 22-3461740 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $122K |
| LESLIE RUSSELL EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $121K |
| MICHELLE JUTRAS EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $121K |
| JANET DESSIE EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $119K |
| KEVIN KELLEHER EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $116K |
| DIANE RUSSO EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $112K |
| MAUREEN MARTELL EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $111K |
| ALICE BUCKLEY EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $110K |
| KELLY GLYNN EIN 04-6374631 EMPLOYEE | Direct payment from the plan Service code 50 | — | $106K |
| ROBIN RICE EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $106K |
| LILIA GAVRILOVA EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $106K |
| INTERCONTINENTAL REAL ESTATE EIN 04-0354929 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $98K |
| LISA BUCHANAN EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $96K |
| TONI BRANSFIELD EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $95K |
| JULIE RONDEAU EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $94K |
| SUSAN BROWN EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $94K |
| KELLY MAHONEY EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $93K |
| SEA CHANGE SYSTEMS, INC. EIN 04-3210703 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $93K |
| LAURA HORGAN EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $93K |
| LOUNA MAHOTIERE EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $91K |
| DEBORAH FICHTNER EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $91K |
| DARCY ROUNDS EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $89K |
| KRISTEN ZAGAMI EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $89K |
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 | 6,468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,145 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASS. | 15,570 | $92.7M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,669 | $800K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $21K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,669 | $800K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,570 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.