| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| H.J. KNIGHT INTERNATIONAL INSURANCE3 | 30 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 02184 | HCC LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Claims processing Service code 12 | — | $2.8M |
| MEDICAL COST MANAGEMENT CORP. EIN 36-3445315 NONE | Claims processing Service code 12 | — | $250K |
| JOHNSON & KROL EIN 36-4342024 SEE STMT. (1) | Legal Service code 29 | — | $97K |
| ZACKS INVESTMENT MANAGEMENT EIN 36-3792197 NONE | Investment management Service code 28 | — | $88K |
| BANSLEY & KIENER LLP EIN 36-2152389 SEE STMT. (1) | Accounting (including auditing) Service code 10 | — | $85K |
| LYNETTE S. ALLEN EIN 36-2376645 NONE | Employee (plan) Service code 30 | — | $75K |
| MILLIMAN, INC EIN 91-0675641 SEE STMT. (2) | Actuarial Service code 11 | — | $74K |
| BUCHBINDER TUNICK & CO. LLP EIN 13-1578842 SEE STMT. (1) | Accounting (including auditing) Service code 10 | — | $72K |
| BASYS INC. EIN 52-1796473 SEE STMT. (2) | Other fees Service code 99 | — | $53K |
| SONIA RIOS EIN 36-2376645 NONE | Employee (plan) Service code 30 | — | $47K |
| M.D. SASS ASSOCIATES INC. EIN 13-2704843 NONE | Investment management Service code 28 | — | $42K |
| EVERACTIVE SOLUTIONS EIN 27-0988892 SEE STMT. (2) | Consulting (general) Service code 16 | — | $40K |
| DAISY M. SERRANO CRUZ EIN 36-2376645 NONE | Employee (plan) Service code 30 | — | $40K |
| AMALGAMATED INVESTMENT MANAGER EIN 36-0721895 NONE | Investment management Service code 28 | — | $34K |
| CAROLINE CONSTANTINO EIN 36-2376645 NONE | Employee (plan) Service code 30 | — | $34K |
| INGRID ESCOBAR EIN 36-2376645 NONE | Employee (plan) Service code 30 | — | $30K |
| TATIANA ZAMBRANO EIN 36-2376645 NONE | Employee (plan) Service code 30 | — | $30K |
| SONIA ROMAN EIN 36-2376645 NONE | Employee (plan) Service code 30 | — | $29K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 SEE STMT. (2) | Investment advisory (plan) Service code 27 | — | $27K |
| ZELIS CLAIMS INTEGRITY, INC. EIN 86-1040704 NONE | Claims processing Service code 12 | — | $24K |
| COLUMBIA PARTNERS LLC INVT MGMT EIN 52-1940739 NONE | Investment management Service code 28 | — | $21K |
| HJ KNIGHT INTERNATIONAL INS AGENCY EIN 04-2960092 SEE STMT. (2) | Insurance agents and brokers Service code 22 | — | $19K |
| FAIR HEALTH INC EIN 90-0524293 NONE | Other fees Service code 99 | — | $10K |
| U.S. BANK NATIONAL ASSOCIATION EIN 31-0841368 SEE STMT. (1) | Custodial (securities) Service code 19 | — | $6K |
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 | 6,092 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 6,109 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,109 | — |
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.