| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KD BENEFITS INS BROKERAGE INC3 | 6 PARK LANE MARBLEHEAD, MA 01945 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $33K | — | $33K | 1.27% |
| JOHN SCOTT NICOLAS3 Filed as: JOHN NICOLAS | 6 PARK LANE MARBLEHEAD, MA 01945 | ULLICO | $46K | — | $46K | 8.00% |
| KD BENEFITS INSURANCE BROKERAGE3 Filed as: KD BENEFITS INSURANCE BROKERAGE INC | 6 PARK LANE MARBLEHEAD, MA 01945 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $5K | — | $5K | 3.94% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST | 71 MONROE AVENUE SUITE A PITTSFORD, NY 14534 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 4.40% |
| KD BENEFITS INS BROKERAGE INC3 | 6 PARK LANE MARBLEHEAD, MA 01945 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.98% |
| KD BENEFITS INS BROKERAGE INC3 | 6 PARK LANE MARBLEHEAD, MA 01945 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VITECH SYSTEMS GROUP, INC. EIN 13-3785492 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $4.2M |
| EVICORE HEALTHCARE MSI, LLC EIN 62-1615395 NONE | Other services Service code 49 | — | $3.9M |
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 41-1648670 NONE | Claims processing Service code 12 | — | $3.6M |
| COMPUTER DESIGN & INTEGRATION, LLC EIN 13-3823827 NONE | Other services Service code 49 | — | $3.4M |
| MEDCO HEALTH SOLUTIONS, INC. EIN 22-3461740 NONE | Other services Service code 49 | — | $3.2M |
| SHI-INTERNATIONAL CORP EIN 22-3009648 NONE | Other services Service code 49 | — | $2.8M |
| INTERNATIONAL BUSINESS MACHINES COR EIN 13-0871985 NONE | Other services Service code 49 | — | $2.7M |
| CVS PHARMACY, INC EIN 05-0340626 NONE | Other services Service code 49 | — | $2.1M |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal Service code 29 | — | $1.7M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTATOR | Contract Administrator; Other fees Service code 13 | — | $1.7M |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Other services Service code 49 | — | $1.6M |
| EXAFLUENCE INC EIN 47-2231798 NONE | Consulting (general) Service code 16 | — | $1.6M |
| ZELIS PAYMENTS HOLDINGS, LLC EIN 84-3069529 NONE | Other fees Service code 99 | — | $1.5M |
| MICROSOFT CORPORATION EIN 91-1144442 NONE | Other fees Service code 99 | — | $1.5M |
| LEVY RATNER, P.C. EIN 13-3726314 NONE | Legal Service code 29 | — | $1.3M |
| WILLIS OF NEW YORK INC. EIN 13-2695427 NONE | Insurance services Service code 23 | — | $1.3M |
| US POSTAL SERVICE EIN 23-2259884 NONE | Other services Service code 49 | — | $1.3M |
| VERIZON NEW YORK INC EIN 13-5275510 NONE | Other services Service code 49 | — | $1.1M |
| MILLIMAN, INC. EIN 91-0675641 NONE | Actuarial Service code 11 | 91 CRESTWOOD DRIVE STAMFORD, CT 06905 | $902K |
| MVP HEALTH CARE, INC EIN 14-1640868 NONE | Other fees Service code 99 | — | $897K |
| AUBURN IT RESOURCES, INC. EIN 82-4462048 NONE | Finders' fees / placement fees Service code 61 | — | $860K |
| COGNIZANT TRIZETTO SOFTWARE GROUP, EIN 33-0761159 NONE | Other services Service code 49 | — | $827K |
| COTIVITI, INC. EIN 56-2059380 NONE | Other services Service code 49 | — | $818K |
| INOVALON PROVIDER, INC EIN 41-1973195 NONE | Other services Service code 49 | — | $697K |
| AMALGAMATED EMPLOYEE BENEFITS ADMIN EIN 13-3432221 NONE | Other fees Service code 99 | — | $665K |
| VANGUARD GROUP STAFFING EIN 13-3854763 NONE | Finders' fees / placement fees Service code 61 | — | $657K |
| PRINCIPAL LIFE INSURANCE COMPANY EIN 42-0127290 NONE | Other services Service code 49 | — | $656K |
| ORACLE AMERICA, INC. EIN 94-2805249 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $634K |
| JACK C. KEANE, INC. EIN 52-2225523 NONE | Consulting (general) Service code 16 | — | $633K |
| UNIVERSAL PROTECTION SERVICE, LP EIN 33-0973846 NONE | Other services Service code 49 | — | $608K |
| VERIZON BUSINESS FIOS EIN 23-2259884 NONE | Other services Service code 49 | — | $581K |
| CHANGE HEALTHCARE LLC EIN 81-3611560 NONE | Claims processing Service code 12 | — | $572K |
| AUTOMATIC DATA PROCESSING, INC. EIN 22-1467904 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $561K |
| STEP VISUAL COMMUNICATIONS LLC EIN 26-4662241 NONE | Copying and duplicating Service code 36 | — | $523K |
| DELPHIX CORP EIN 26-2255969 NONE | Other services Service code 49 | — | $504K |
| CHANGE HEALTHCARE OPERATIONS, LLC EIN 20-5731067 NONE | Claims processing Service code 12 | — | $498K |
| BIFF DUNCAN ASSOCIATES, INC EIN 36-4465318 NONE | Consulting (general) Service code 16 | — | $482K |
| DELL FINANCIAL SERVICES, LLC EIN 74-2825828 NONE | Other services Service code 49 | — | $428K |
| HEALTH MANAGEMENT SYSTEMS, INC. EIN 13-2770433 NONE | Other services Service code 49 | — | $426K |
| HILLSIDE PRINTING INC EIN 11-3177255 NONE | Copying and duplicating Service code 36 | — | $424K |
| KONICA MINOLTA BUSINESS USA INC EIN 13-1921089 NONE | Other services Service code 49 | — | $417K |
| NAVINET INC. EIN 04-3355932 NONE | Other services Service code 49 | — | $405K |
| STATE INSURANCE FUND EIN 13-3098552 NONE | Other services Service code 49 | — | $396K |
| G&P REALTY CO., LLC EIN 11-3354093 NONE | Other services Service code 49 | — | $394K |
| PRESIDIO NETWORKED SOLUTIONS, INC. EIN 58-1667655 NONE | Other services Service code 49 | — | $394K |
| GARTNER INC. EIN 04-3099750 NONE | Other services Service code 49 | — | $390K |
| WIZCOM CORPORATION EIN 22-3437242 NONE | Other services Service code 49 | — | $382K |
| GLOBETORG, INC EIN 46-3499819 NONE | Consulting (general) Service code 16 | — | $379K |
| GOTHAM TECHNOLOGY GROUP LLC EIN 13-4187205 NONE | Other services Service code 49 | — | $362K |
| J W MAYS INC. EIN 11-1059070 NONE | Other fees Service code 99 | — | $353K |
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 | 116,828 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43,673 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 2,857 | $4.0M |
| Dental(5 contracts, 4 carriers) | EMBLEM HEALTH | 211,648 | $79.0M |
| Life insurance(3 contracts, 2 carriers) | AMALGAMATED LIFE INSURANCE COMPANY | 156,345 | $12.3M |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 84 | $44K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 84 | $44K |
| Other(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,736 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211,648 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.