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No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS EIN 15-0329043 CONTRACT ADMINISTRATOR | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $1.6M |
| MANNING & NAPIER ADVISORS, INC. EIN 45-3328488 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $221K |
| TERRY MOON EIN 15-0613682 STAFF | Direct payment from the plan; Employee (plan) Service code 30 | — | $103K |
| MILLIMAN EIN 91-0675641 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $87K |
| BRIDGEWAY BENEFIT TECHNOLOGIES, LLC EIN 52-1796473 NONE | Direct payment from the plan; Other fees Service code 50 | — | $86K |
| INTEGRA CONSULTING, INC. EIN 16-1600723 NONE | Direct payment from the plan; Other fees Service code 50 | — | $74K |
| LISA CAPPELLO EIN 15-0613682 STAFF | Direct payment from the plan; Employee (plan) Service code 30 | — | $73K |
| LISA GELLERT EIN 15-0613682 STAFF | Employee (plan); Direct payment from the plan Service code 30 | — | $72K |
| KIM SANDERSON EIN 15-0613682 STAFF | Employee (plan); Direct payment from the plan Service code 30 | — | $72K |
| ERIN O'NEIL EIN 15-0613682 STAFF | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| AMANDA GASPARINI EIN 15-0613682 STAFF | Employee (plan); Direct payment from the plan Service code 30 | — | $61K |
| LINDSEY CASTELLINI EIN 15-0613682 STAFF | Employee (plan); Direct payment from the plan Service code 30 | — | $59K |
| MEGAN TILTON EIN 15-0613682 STAFF | Direct payment from the plan; Employee (plan) Service code 30 | — | $57K |
| KAYLEE HALE EIN 15-0613682 STAFF | Direct payment from the plan; Employee (plan) Service code 30 | — | $56K |
| DERMODY, BURKE & BROWN, CPAS, LLC EIN 01-0723685 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $44K |
| BLITMAN & KING EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $43K |
| THE HILB OF NEW ENGLAND EIN 47-4324398 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $35K |
| WILMINGTON TRUST EIN 16-1486454 NONE | Investment management fees paid indirectly by plan; Employee (plan) Service code 30 | — | $35K |
| 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 | 8,121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 125 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 7,993 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,993 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.