| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD. SUITE 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF MASS. | $1.1M | — | $1.1M | 1.04% |
| KEVIN MURPHY3 Filed as: KEVIN HARRINGTON | 770 DEDHAM RD. SUITE 1 CANTON, MA 02021 | SYMETRA LIFE INSURANCE COMPANY | $51K | — | $51K | 5.00% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST 5TH FLOOR WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $51K | — | $51K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAROL BLANCHARD, D.D.S EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $323K |
| BLUE CROSS BLUE SHIELD OF MASS. EIN 04-1045815 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $287K |
| LAURIE MURPHY EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $210K |
| MARK ANTIDORMI EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $206K |
| AZITA NEGAHBAN EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $196K |
| JOANNE C SCHULTZ EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $193K |
| ANISSA DERROUCHE EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $192K |
| MICHAEL KATZ EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $192K |
| ARMAND IEBBA EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $189K |
| LAURENCE LIBBY EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $185K |
| LILIA GAVRILOV EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $182K |
| EMERALD GREEN BUILDING SERVICE LLC EIN 45-4596664 NONE | Direct payment from the plan; Other services Service code 49 | — | $179K |
| MANJULA RAMANA EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $174K |
| ELENA JORDACHE EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $173K |
| EXPRESS SCRIPTS/ MEDCO EIN 22-3461740 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $169K |
| ANGELIQUE BELISLE EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $154K |
| TOM VITIELLO EIN 04-6374631 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $153K |
| MARK STANIUL EIN 04-6374631 EMPLOYEE | Direct payment from the plan Service code 50 | — | $153K |
| LESLIE RUSSELL EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $153K |
| DAVID HEFFERNAN EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $151K |
| ELEANOR PERRY EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $147K |
| PETER DIBONA EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $147K |
| AMANDA GOSSELLIN EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $141K |
| JESSICA DAVIS EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $140K |
| MARISSA BIALEK EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $139K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $128K |
| KEVIN KELLEHER EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $127K |
| HELEN REGAN EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $126K |
| CHRISTOPHER J. WALSH EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $126K |
| DIANE RUSSO EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $124K |
| GABRIELLA MOSCATO EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $124K |
| ALINA MCATEER EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $121K |
| HELEN VRAIBEL EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $121K |
| ALICE HANLEY EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $121K |
| JANET DESSIE EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $119K |
| ROBIN RICE EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $117K |
| KELLY GLYNN EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $115K |
| BRENDA PARSONS EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $114K |
| IVANDRA NEVES EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $113K |
| BMO HARRIS BANK NA EIN 36-2085229 NONE | Investment management; Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $113K |
| PETER PAPPAS EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $112K |
| INTERCONTINENTAL REAL ESTATE EIN 04-0354929 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $112K |
| LAUREN MURPHY EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $110K |
| ERIN HOGAN EIN 04-6374631 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $109K |
| LISA BUCHANAN EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $105K |
| TINA VALADES EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $104K |
| KELLY MAHONEY EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $104K |
| LAURA HORGAN EIN 04-6374631 EMPLOYEE | Employee (plan) Service code 30 | — | $102K |
| CAROLYN BLANCHETTE EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $100K |
| BROOKE REGO EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $99K |
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 | 6,597 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,183 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASS. | 15,083 | $104.7M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 0 | $1.0M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 0 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,083 | — |
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.