| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $230K | $36K | $266K | 4.10% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $35K | — | $35K | 6.06% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 6.53% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 1375 KINGS HIGHWAY EAST, SUITE 215 FAIRFIELD, CT 06824 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 4.88% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP DBA 360CBA | 1375 KINGS HIGHWAY EAST-SUITE 215 FAIRFIELD, CT 06824 | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.30% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 15.00% |
| SEAN CARNEY3 Filed as: SEAN M. CARNEY | 1375 KINGS HIGHWAY EAST FAIRFIELD, CT 02864 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 17.10% |
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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 820 | $6.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 862 | $578K |
| Vision | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | 783 | $57K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 537 | $300K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 537 | $300K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 537 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 862 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.