| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| H.J. KNIGHT INTERNATIONAL INSURANCE | 30 BRAINTREE HILL OFFICE PARK, SUIT BRAINTREE, MA 02184 | AMALGAMATED LIFE INSURANCE COMPANY | $20K | — | $20K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BLUE CROSS BLUE SHIELD EIN 22-1412244 NONE | Claims processing Service code 12 | — | $1.3M |
| KROLL, HEINEMAN, CARTON EIN 76-0760981 NONE | Legal Service code 29 | — | $220K |
| GEORGE LAUFENBERG EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $193K |
| STEVE CHARNEY EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $122K |
| JOHN SULLIVAN EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $115K |
| TONYA MCNEIL EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $108K |
| GEORGE FERNETT EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $99K |
| PHILIP COONEY EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $99K |
| HGK ASSET MGMT EIN 52-1296988 NONE | Investment management fees paid directly by plan Service code 51 | — | $90K |
| LISA ROKOSNY EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $89K |
| MARY WILLIS GULBRONSON EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $84K |
| BENITO CAMACHO EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $83K |
| CAROL TUCKER EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $82K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776808 NONE | Investment management fees paid directly by plan Service code 51 | — | $80K |
| MSPC CPAS & ADVISORS, P.C. EIN 22-2951202 NONE | Accounting (including auditing) Service code 10 | — | $78K |
| CAROL BUCCO EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $71K |
| DEBBIE KWIATEK EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $69K |
| FRANCIS WEIKEL EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $68K |
| IAN RUEGG EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $67K |
| COLUMBIA PARTNERS, L.L.C. EIN 52-1940739 NONE | Investment management fees paid directly by plan Service code 51 | — | $66K |
| LAURA N. BASS EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $65K |
| RACHEL CORRADI EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $63K |
| JANET MIELE EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $60K |
| NANCY MATHEWS EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $54K |
| BOYD WATTERSON ASSET MANAGEMENT LLC NONE | Investment management Service code 28 | 1801 EAST 9TH STREET, SUITE 1400 CLEVELAND, OH 44114 | $49K |
| JAY BUHAY EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $47K |
| SUSANIN WIDMAN & BRENNAN, PC EIN 23-2265950 NONE | Legal Service code 29 | — | $47K |
| ALEXIA LEE EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $46K |
| KAREN LEYENDECKER EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $45K |
| NANCY GRATZEL EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $43K |
| JOHN GREEN EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $42K |
| PATRICIA DIAMOND EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $41K |
| MARY FITZPATRICK EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $39K |
| BEULAH JONES EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $36K |
| KAREN KAUFMAN EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $36K |
| ANNE MAJOR EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $36K |
| KATELYN LAUFENBERG EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $35K |
| MERRILYN GUARDINO EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $35K |
| STEVEN CHARNEY EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $34K |
| ANNE MARIE TRIOLA EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $33K |
| CHRISTINE MCIVOR EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $33K |
| CAROLE FACKINA EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $33K |
| MAE HOWARD EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $32K |
| JUDY ISSACS EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $32K |
| JACQUELINE ERVIN EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $32K |
| MARIANNE SMITH EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $31K |
| JOANNE MANFRE EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $31K |
| ELAINE MCKENZIE EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $31K |
| DAVID SHEOLA EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $30K |
| STEPHANIE ABASS-SHEREEF EIN 22-6174423 EMPLOYEE | Employee (plan) Service code 30 | — | $30K |
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 | 5,163 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 7,071 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,071 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.