| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND4 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD. SUITE 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF MASS. | $868K | — | $868K | 0.86% |
| DBR GROUP3 Filed as: DBR GROUP INC | 959 CONCORD STREET, SUITE 220 FRAMINGHAM, MA 01701 | BLUE CROSS BLUE SHIELD OF MASS. | $161K | — | $161K | 0.16% |
| KEVIN M HARRINGTON3 | 770 DEDHAM STREET, STE 1 CANTON, MA 02021 | SYMETRA LIFE INSURANCE COMPANY | $55K | — | $55K | 5.00% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST, 5TH FLR WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $55K | — | $55K | 5.00% |
| DBR GROUP3 Filed as: DBR GROUP INC | 959 CONCORD STREET, SUITE 220 FRAMINGHAM, MA 01701 | FALLON HEALTH | $1K | — | $1K | 1.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD. SUITE 3001 WARWICK, RI 02886 | FALLON HEALTH | $1K | — | $1K | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAROL BLANCHARD, D.D.S EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $299K |
| BLUE CROSS BLUE SHIELD OF MASS. EIN 04-1045815 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $264K |
| MARK ANTIDORMI EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $201K |
| LAURIE MURPHY EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $197K |
| TINA VALADES EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $195K |
| MARILYN ALTBUSH EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $192K |
| EXPRESS SCRIPTS/ MEDCO EIN 22-3461740 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $191K |
| MICHAEL KATZ EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $183K |
| AZITA NEGAHBAN EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $183K |
| PETER PAPPAS EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $177K |
| LARRY LIBBY EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $175K |
| JOANNE C SCHULTZ EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $173K |
| LILIA GAVRILOVA EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $173K |
| ARMAND IEBBA EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $172K |
| ANISSA DERROUCHE EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $169K |
| EMERALD GREEN BUILDING SERVICE LLC EIN 45-4596664 NONE | Other services; Direct payment from the plan Service code 49 | — | $168K |
| ELENA JORDACHE EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $166K |
| MANJULA RAMANA EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $165K |
| TOM VITIELLO EIN 04-6374631 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $150K |
| PATRICIA KOSIOREK EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $148K |
| ANGELQUE BELISLE EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $147K |
| MARK STANIUL EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $146K |
| DAVID HEFFERNAN EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $144K |
| LESLIE RUSSELL EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $144K |
| KATHLEEN GROGAN EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $143K |
| HELEN REGAN EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $139K |
| LAUREN MURPHY EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $138K |
| HELEN VRAIBEL EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $136K |
| JESSICA DAVIS EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $133K |
| ELEANOR PERRY EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $128K |
| MARISSA BIALEK EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $124K |
| KEVIN KELLEHER EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $121K |
| DIANE RUSSO EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $119K |
| ALICE BUCKLEY EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $115K |
| ALINA MCATEER EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $115K |
| MAUREEN MARTELL EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $110K |
| KELLY GLYNN EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $109K |
| MICHELLE JUTRAS EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $107K |
| INTERCONTINENTAL REAL ESTATE EIN 04-0354929 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $106K |
| JENNIFER CALLAGHAN EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $103K |
| KELLY MAHONEY EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $100K |
| FEINBERG, CAMPBELL & ZACK, P.C. EIN 04-2738936 NONE | Legal; Direct payment from the plan Service code 29 | — | $99K |
| ROBIN RICE EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $98K |
| JULIE RONDEAU EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $98K |
| LOUNA MAHOTIERE EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $97K |
| CHRISTOPHER J. WALSH EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $96K |
| LISA BUCHANAN EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $96K |
| LAURA HORGAN EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $95K |
| JANICE WHITE EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $95K |
| STEPHANIE PINO EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $95K |
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 | 6,665 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,169 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,834 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASS. | 15,428 | $101.1M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 4,831 | $1.1M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 4,831 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,428 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.