| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | UNKNOWN WEST NEWTON, MA 02465 | MA GENERAL BRIGHAM HEALTH PLAN | $100K | $0 | $100K | 3.64% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | DELTA DENTAL OF MASSACHUSETTS | $5K | $0 | $5K | 3.80% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $7K | 15.68% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS GENERA | 8575 WEST 110TH STREET, SUITE 210 OVERLAND PARK, KS 66210 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $998 | $3K | 6.83% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MA GENERAL BRIGHAM HEALTH PLAN | 137 | $2.8M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 262 | $131K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 313 | $21K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 189 | $44K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 189 | $44K |
| Prescription drug | MA GENERAL BRIGHAM HEALTH PLAN | 137 | $2.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 189 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.