| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILD GROUP OF NEW YORK, LLC | 1055 RXR PLAZA UNIONDALE, NY 11556 | HCC LIFE INSURANCE COMPANY | — | $18K | $18K | 2.75% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD STE 240 CRANSTON, RI 02920 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 8.24% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET 20TH FL WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $21K | $21K | 7.56% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PRKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | — | $40 | $40 | 0.01% |
No Schedule C service providers reported on this filing.
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 | 552 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 898 | $249K |
| Vision | EYEMED VISION CARE | 767 | $56K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 552 | $274K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 552 | $274K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 552 | $274K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 432 | $655K |
| Other | HARTFORD LIFE AND ACCIDENT | 552 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 898 | — |
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.