No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VERRILL DANA LLP EIN 01-0176171 NONE | Legal; Direct payment from the plan Service code 29 | ONE PORTLAND SQUARE PORTLAND, ME 04101 | $22K |
| COHO PARTNERS, LTD EIN 23-3004662 NONE | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | 801 OLD CASSATT ROAD BERWYN, PA 19312 | $14K |
| DELAWARE INVESTMENT MANAGEMENT EIN 23-1859590 NONE | Investment management; Direct payment from the plan; Investment management fees paid directly by plan Service code 28 | 2005 MARKET STREET PHILADEPHIA, PA 19103 | $7K |
| BENEFIT CONCEPTS EIN 05-0388095 NONE | Direct payment from the plan; Recordkeeping fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 20 RISHO AVENUE EAST PROVIDENCE, RI 029141287 | $6K |
| BANK OF AMERICA EIN 94-1687665 NONE | Float revenue; Trustee (directed); Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | 225 FRANKLIN STREET BOSTON, MA 02210 | $3K |
| AMERICAN FUNDS EUROPACIFIC GROWTH R EIN 95-6810128 NONE | Other investment fees and expenses Service code 72 | 333 SOUTH HOPE STREET LOS ANGELES, CA 02110 | $0 |
| BANK OF AMERICA, NA | Trustee (bank, trust company, or similar financial institution); Trustee (directed); Direct payment from the plan; Float revenue Service code 21 | — | $0 |
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 | 5 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 104 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 19 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $798K |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 192 | $89K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $798K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 14 | $10K |
| Long-term disability | CIGNA GROUP INSURANCE | 5 | $5K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $798K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 14 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.