| 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 BLVD #240 CRANSTON, RI 02920 | SYMETRA LIFE INSURANCE COMPANY | $153K | $85K | $238K | 9.56% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLZ SUITE 1100 CHICAGO, IL 606063708 | RELIASTAR LIFE INSURANCE COMPANY | — | $37K | $37K | 1.76% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 275 WASHINGTON ST SUITE 110 NEWTON, MA 024581685 | RELIASTAR LIFE INSURANCE COMPANY | $14K | $6K | $20K | 0.95% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW DRIVE SUITE 240 CRANSTON, RI 02920 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $19K | $0 | $19K | 2.03% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 028862233 | VISION SERVICE PLAN | $7K | — | $7K | 1.25% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | AETNA LIFE INSURANCE COMPANY | $39K | — | $39K | 9.23% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | AETNA LIFE INSURANCE COMPANY | $46K | — | $46K | 14.16% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW DRIVE SUITE 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 8.44% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 8.44% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW DRIVE SUITE 240 CRANSTON, RI 02920 | ARAG INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP | 275 WASHINGTON STREET, SUITE 110 NEWTON, MA 02458 | ACE AMERICAN INSURANCE COMPANY | $18K | — | $18K | 15.86% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP | AVENIDA LUIS MUNOZ RIVERA 270 PH-1 SAN JUAN, PR 00918 | TRIPLE S SALUDE, INC. | $1K | — | $1K | 5.57% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | AETNA INTERNATIONAL | $1K | — | $1K | 66.37% |
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 | 2,494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 175 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 82 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 35 | $448K |
| Dental | AETNA LIFE INSURANCE COMPANY | 35 | $427K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,232 | $962K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,483 | $2.1M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,480 | $952K |
| Prescription drug | TRIPLE S SALUDE, INC. | 6 | $20K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 2,200 | $2.5M |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,483 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,483 | — |
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."
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.