No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS EIN 15-0329043 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.4M |
| SUN LIFE INSURANCE EIN 38-1082080 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $1.4M |
| MANNING & NAPIER ADVISORS, INC. EIN 45-3328488 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $211K |
| TERRY MOON EIN 15-0613682 STAFF | Direct payment from the plan; Employee (plan) Service code 30 | — | $105K |
| MILLIMAN EIN 91-0675641 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $103K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Direct payment from the plan; Other fees Service code 50 | — | $83K |
| INTEGRA CONSULTING EIN 16-1600723 NONE | Other fees; Direct payment from the plan Service code 50 | — | $72K |
| KIM SANDERSON EIN 15-0613682 STAFF | Direct payment from the plan; Employee (plan) Service code 30 | — | $71K |
| LISA CAPPELLO EIN 15-0613682 STAFF | Direct payment from the plan; Employee (plan) Service code 30 | — | $70K |
| LISA GELLERT EIN 15-0613682 STAFF | Direct payment from the plan; Employee (plan) Service code 30 | — | $67K |
| ERIN O'NEIL EIN 15-0613682 STAFF | Employee (plan); Direct payment from the plan Service code 30 | — | $61K |
| AMANDA GASPARINI EIN 15-0613682 STAFF | Direct payment from the plan; Employee (plan) Service code 30 | — | $60K |
| KAYLEE HALE EIN 15-0613682 STAFF | Direct payment from the plan; Employee (plan) Service code 30 | — | $54K |
| LINDSEY CASTELLINI EIN 15-0613682 STAFF | Employee (plan); Direct payment from the plan Service code 30 | — | $48K |
| THE HILB OF NEW ENGLAND EIN 47-4324398 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $40K |
| DERMODY, BURKE & BROWN, CPAS, LLC EIN 01-0723685 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $39K |
| BLITMAN & KING EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $38K |
| MEGAN TILTON EIN 15-0613682 STAFF | Employee (plan); Direct payment from the plan Service code 30 | — | $37K |
| WILMINGTON TRUST EIN 16-1486454 NONE | Investment management fees paid indirectly by plan; Employee (plan) Service code 30 | — | $34K |
| UPSTATE ADVISORS GROUP EIN 16-1540179 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $5K |
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 | 8,505 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 157 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 8,507 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,507 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.