| 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 | 1.00% |
| KEVIN MURPHY3 Filed as: KEVIN HARRINGTON | 770 DEDHAM ST STE 1 CANTON, MA 02021 | SYMETRA LIFE INSURANCE COMPANY | $49K | — | $49K | 5.00% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $49K | — | $49K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASS. EIN 04-1045815 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $271K |
| MARIA GNERRE EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $254K |
| ANISSA DERROUCHE EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $224K |
| LAURIE MURPHY EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $220K |
| CAROL BLANCHARD, D.D.S EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $218K |
| MARK ANTIDORMI EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $216K |
| JOANNE C SCHULTZ EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $211K |
| MICHAEL KATZ EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $202K |
| AZITA NEGAHBAN EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $201K |
| LAURENCE LIBBY EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $198K |
| BRENDA PARSONS EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $194K |
| JENNIFER NG EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $193K |
| LILIA GAVRILOV EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $189K |
| EXPRESS SCRIPTS/ MEDCO EIN 22-3461740 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $185K |
| ELENA JORDACHE EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $183K |
| MANJULA RAMANA EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $181K |
| MARK STANIUL EIN 04-6374631 EMPLOYEE | Direct payment from the plan Service code 50 | — | $175K |
| LESLIE RUSSELL EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $175K |
| THOMAS VITIELLO EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $172K |
| ELEANOR PERRY EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $167K |
| FEINBERG, DUMONT, & BRENNAN EIN 04-2738936 NONE | Legal; Direct payment from the plan Service code 29 | — | $156K |
| KRISTEN SULLIVAN EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $156K |
| PETER DIBONA EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $152K |
| SHERRY HARVEY EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $150K |
| GABRIELLA MOSCATO EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $150K |
| MANZI & ASSOCIATES LLC EIN 04-3508036 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $148K |
| JESSICA DAVIS EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $148K |
| BMO HARRIS BANK NA EIN 36-2085229 NONE | Investment management fees paid directly by plan; Investment management; Custodial (securities) Service code 19 | — | $144K |
| CAROLYN REGAN EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $143K |
| ALINA MCATEER EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $135K |
| MICHELLE REGAN EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $133K |
| LAUREN MURPHY EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $133K |
| EMILY YE EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $128K |
| KELLY GLYNN EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $126K |
| AMANDA GOSSELIN EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $122K |
| KEVIN KELLEHER EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $121K |
| SEA CHANGE SYSTEMS, INC. EIN 04-3210703 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $121K |
| INTERCONTINENTAL REAL ESTATE EIN 04-0354929 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $119K |
| ERIN HOGAN EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $116K |
| CAROLYN BLANCHETTE EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $113K |
| LISA BUCHANAN EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $113K |
| LAURA HORGAN EIN 04-6374631 EMPLOYEE | Employee (plan) Service code 30 | — | $112K |
| EMERALD GREEN BUILDING SERVICE LLC EIN 45-4596664 NONE | Direct payment from the plan; Other services Service code 49 | — | $111K |
| SUZANNE DEVOE EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $110K |
| DIANE RUSSO EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $110K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $109K |
| SARAH FERREIRA EIN 04-6374631 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $109K |
| HEATHER PAVAO EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $108K |
| AMY MILLER EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $107K |
| BROOKE REGO EIN 04-6374631 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $107K |
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 | 6,642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,243 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,885 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASS. | 14,126 | $107.6M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 0 | $987K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 0 | $987K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,126 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.