| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $27K | $8K | $34K | 2.68% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | TUFTS INSURANCE COMPANY | $11K | $6K | $17K | 1.35% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $3K | $12K | 13.56% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 11.98% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | VISION SERVICE PLAN | $1K | — | $1K | 4.65% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $418 | $3K | 17.83% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $986 | $2K | 17.85% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $960 | $291 | $1K | 14.34% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $799 | $396 | $1K | 22.43% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $400 | $139 | $539 | 20.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MA EIN 04-6143185 DENTAL TPA | Contract Administrator; Claims processing Service code 12 | — | $28K |
| HILB GROUP OF NEW ENGLAND BROKER | Other commissions; Insurance agents and brokers Service code 22 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | $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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 143 | $2.5M |
| Vision | VISION SERVICE PLAN | 144 | $31K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 260 | $103K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 212 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 214 | $52K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 260 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.