| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | — | $21K | 20.29% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 20.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS INC EIN 04-2734278 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $287K |
| BENESYS, INC EIN 38-2383171 NONE | Plan Administrator; Contract Administrator; Direct payment from the plan Service code 13 | — | $269K |
| PATRIOT MULLARE ASSOCIATES EIN 04-2965097 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $151K |
| THE SEGAL GROUP, INC EIN 04-2156967 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $75K |
| BLUE CROSS BLUE SHIELD MA EIN 04-1045815 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $52K |
| OPTUMRX, INC EIN 33-0441200 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $38K |
| SCHULTHEIS & PANETTIERI EIN 13-1577780 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $30K |
| FUIMAN MOGILA LLP EIN 93-1652658 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $29K |
| REID AND REIGE, PC EIN 06-0867204 NONE | Legal; Direct payment from the plan Service code 29 | — | $14K |
| MODERN ASSISTANCE PROGRAMS, INC EIN 04-3014253 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $11K |
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 | 670 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 732 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 439 | $106K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 311 | $28K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 800 | $1.3M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 439 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 800 | — |
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.