| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| H.J. KNIGHT INTERNATIONAL INSURANCE | 30 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 02184 | HCC LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BOULEVARD CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $43K | — | $43K | 14.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383170 NONE | Plan Administrator; Direct payment from the plan; Contract Administrator Service code 13 | — | $264K |
| HEALTH PLANS INC EIN 04-2734278 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $258K |
| PATRIOT MULLARE ASSOCIATES EIN 04-2965097 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $205K |
| THE SEGAL GROUP, INC EIN 04-2156967 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $47K |
| MODERN ASSISTANCE PROGRAMS, INC EIN 04-3014253 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $46K |
| HJ KNIGHT INTERNATIONAL EIN 04-2960092 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $45K |
| BLUE CROSS BLUE SHIELD EIN 04-1045815 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $45K |
| REID AND REIGE,PC EIN 06-0867204 NONE | Legal; Direct payment from the plan Service code 29 | — | $31K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $27K |
| MANZI & ASSOCIATES LLC EIN 04-3508036 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $15K |
| RELIANCE STANDARD EIN 36-0883760 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $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 | 734 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 777 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 565 | $304K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 565 | $304K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 772 | $1.2M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 565 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.