| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | HARVARD PILGRIM HEALTH CARE | $41K | — | $41K | 2.71% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP | 1375 KINGS HIGHWAY EAST FAIRFIELD, CT 06824 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 0.26% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $7K | $19K | 15.78% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 1375 KINGS HIGHWAY E, SUITE 215 FAIRFIELD, CT 06824 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 12.00% |
| MATTHEW LUKE BORELLA3 | 700 KINDERKAMACK ROAD SUITE 205 ORADEL, NJ 07675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 21.57% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NE LLC | 1375 KINGS HIGHWAY EAST FAIRFIELD, CT 06824 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $767 | — | $767 | 9.33% |
| EDAN E. BARSHAN3 | 20 PARK PLAZA-4TH FLOOR BOSTON, MA 02216 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 1.46% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 228 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $121K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $121K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 193 | $72K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 23 | $8K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 193 | $72K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 193 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.