| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | ALLWAYS HEALTH PARTNERS | $72K | — | $72K | 1.38% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $8K | — | $8K | 3.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $14K | 6.13% |
| NEESENROLL3 Filed as: NEESENROLL INC | 65 BURBANK RD. SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 4.40% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $817 | $5K | 14.31% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 32.06% |
| FITTS INSURANCE AGENCY, INC.3 Filed as: FITTS INSURANCE AGENCY INC | 2 WILLOW ST., STE.102 SOUTHBOROUGH, MA 01745 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $395 | — | $395 | 1.27% |
| ACCESS ENROLL3 | 33 LANDAU RD. PLAINVILLE, MA 02762 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $377 | — | $377 | 1.21% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE RD. HOLLISTON, MA 01746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $204 | — | $204 | 0.65% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $552 | $5K | 16.93% |
| NEESENROLL3 Filed as: NEESENROLL INC | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 4.61% |
| NEESENROLL3 Filed as: NEESENROLL INC | 65 BURBANK RD. SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $5K | — | $5K | 21.77% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM INSURANCE COMPANY | $1K | $438 | $2K | 7.79% |
| NEESENROLL3 Filed as: NEESENROLL INC | 65 BURBANK RD. SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $5K | — | $5K | 20.73% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM INSURANCE COMPANY | $1K | $391 | $2K | 6.53% |
| FITTS INSURANCE AGENCY, INC.3 Filed as: FITTS INSURANCE AGENCY INC | 2 WILLOW ST., STE. 102 SOUTHBOROUGH, MA 01745 | UNUM INSURANCE COMPANY | $400 | — | $400 | 1.67% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE RD. HOLLISTON, MA 01746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 1.55% |
| FITTS INSURANCE AGENCY, INC.3 Filed as: FITTS INSURANCE AGENCY INC | 2 WILLOW ST., STE. 102 SOUTHBOROUGH, MA 01745 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 1.03% |
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 | 677 | 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) | 678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLWAYS HEALTH PARTNERS | 188 | $5.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 569 | $260K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 275 | $35K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 677 | $280K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 106 | $31K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 677 | $220K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 677 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 677 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.