| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | SYMETRA LIFE INSURANCE COMPANY | $203K | — | $203K | 7.59% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 606063708 | RELIASTAR LIFE INSURANCE COMPANY | — | $25K | $25K | 1.08% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | RELIASTAR LIFE INSURANCE COMPANY | — | $5K | $5K | 0.19% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $20K | $6K | $26K | 2.75% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $3K | $3K | 0.34% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $7K | — | $7K | 1.16% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK, INC. | 2122 KRATKY ROAD ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 7.45% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 7.45% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | AETNA LIFE INSURANCE COMPANY | $38K | — | $38K | 10.15% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 NEWTON, MA 02458 | AETNA LIFE INSURANCE COMPANY | $35K | — | $35K | 10.75% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | ACE AMERICAN INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | ARAG INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP | AVENIDA LUIS MUNOZ RIVERA 270 PH-1 SAN JUAN, PR 00918 | TRIPLE S SALUD, INC. | $2K | — | $2K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH, PA | $3K | — | $3K | 20.00% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02456 | AETNA INTERNATIONAL | $856 | — | $856 | 14.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $23 | $23 | 0.67% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $9 | $9 | 0.26% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $18 | $18 | 0.65% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02456 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $16 | $16 | 0.58% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $2 | $2 | 0.77% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $1 | $1 | 0.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | ACE AMERICAN INSURANCE COMPANY | $30 | — | $30 | 15.00% |
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 | 3,360 | 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) | 3,360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 55 | $418K |
| Dental | AETNA LIFE INSURANCE COMPANY | 55 | $372K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,803 | $965K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 6,526 | $2.3M |
| Short-term disability(3 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 61 | $6K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,360 | $961K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 2,783 | $2.7M |
| Other(10 contracts, 7 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,211 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,526 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.