| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 201 JONES ROAD STE 625 WALTHAM, MA 02451 | THE HARTFORD GROUP | $9K | — | $9K | 2.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MILA MANAGED HEALTH CARE EIN 13-3968546 OTHER SERVICES | Other services Service code 49 | 111 BROADWAY, 5TH FLOOR NEW YORK, NY 100061901 | $2.0M |
| CARR FUNERAL HOME EIN 04-3408207 OTHER SERVICES | Other services Service code 49 | 220 BUNKER HILL ST PEMBROKE, MA 02129 | $45K |
| WALTER & SHUFFAIN, P.C. EIN 04-3236496 AUDITOR | Accounting (including auditing) Service code 10 | ONE INTERNATIONAL PLACE, SUITE 1010 BOSTON, MA 02110 | $33K |
| MODERN ASSISTANCE PROGRAMS EIN 04-3014253 OTHER SERVICES | Other services Service code 49 | 1400 HANCOCK ST QUINCY, MA 02169 | $30K |
| C.C. SHEPHERD FUNERAL HOME EIN 84-1861925 OTHER SERVICES | Other services Service code 49 | 134 PLEASANT ST SOUTH WEYMOUTH, MA 02190 | $9K |
| RUGGIERO FAMILY MEMORIAL HOME EIN 04-3486116 OTHER SERVICES | Other services Service code 49 | 971 SARATOGA ST EAST BOSTON, MA 02128 | $9K |
| SOLIMINE FUNERAL HOME EIN 04-2646599 OTHER SERVICES | Other services Service code 49 | 67 OCENA ST LYNN, MA 01902 | $9K |
| FARLEY FUNERAL HOME EIN 04-2579127 OTHER SERVICES | Other services Service code 49 | 358 PARK STREET STOUGHTON, MA 02072 | $8K |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE HARTFORD GROUP | 282 | $308K |
| Short-term disability | THE HARTFORD GROUP | 282 | $308K |
| Other | THE HARTFORD GROUP | 282 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.