| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $73K | $28K | $101K | 1.40% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $72K | — | $72K | 1.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $20K | — | $20K | 3.76% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $20K | — | $20K | 3.74% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 1375 KINGS HIGHWAY E - STE 215 FAIRFIELD, CT 06824 | HARTFORD LIFE AND ACCIDENT | $55K | $19K | $74K | 21.40% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN STREET-5TH FL WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $24K | $24K | 7.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $695 | — | $695 | 4.69% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $653 | — | $653 | 4.40% |
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 | 503 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1,096 | $7.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1,116 | $533K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 228 | $15K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 503 | $346K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 503 | $346K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 503 | $346K |
| Other | HARTFORD LIFE AND ACCIDENT | 503 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,116 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.