Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingThe primary carrier changed from the prior filing. The plan has shown it will move. Pitch it again on the next cycle.
Broker compensation exceeds 5% of premium. This is a small-plan minimum fee or a costly broker setup that a competing bid can beat.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Hilb Group of New England LifeSTDLTDOther | LifeSTDLTDOther | |
Broker: Hilb Group of New England Vision | Vision | |
Other | Other |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 4 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 348 | $13K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 329 | $234K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 329 | $234K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 329 | $234K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 329 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Hartford Life and Accident | |
Carrier: Eyemed Vision Care |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Claims processing; Float revenue; Direct payment from the plan; Other fees Service code 12 | — | $1.1M |
| HARVARD PILGRIM HEALTH CARE EIN 04-2452600 CARRIER | Claims processing; Participant communication; Contract Administrator; Other services Service code 12 | — | $101K |
| DELTA DENTAL EIN 04-6143185 CARRIER | Contract Administrator; Claims processing Service code 12 | — | $37K |
| HPHC INSURANCE COMPANY EIN 04-3149694 CARRIER | Contract Administrator; Other services; Participant communication; Claims processing Service code 12 | — | $27K |
| HILB GROUP OF NEW ENGLAND LLC BROKER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2000 CHAPEL VIEW BLVD STE. 240 CRANSTON, RI 02920 | $14K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
2 contacts
11 filings · 2015 to 2025