| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 152 CONANT STREET, 2ND FLOOR BEVERLY, MA 01915 | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS, INC. | $28K | $4K | $32K | 3.54% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | UNKNOWN WOBURN, MA 01801 | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS, INC. | $6K | $0 | $6K | 0.64% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | UNKNOWN BOSTON, MA 02109 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.30% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE STREET, SUITE 97 GETTYSBURG, PA 17325 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $313 | $0 | $313 | 1.10% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN | 931 JEFFERSON BOULEVARD, SUITE 3001 WARWICK, RI 02886 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $311 | $0 | $311 | 1.09% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $207 | $19 | $226 | 0.79% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUIT 5500 WOBURN, MA 01801 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $209 | $3 | $212 | 0.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $307 | $2K | 10.98% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | UNKNOWN BOSTON, MA 02109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $507 | $0 | $507 | 2.44% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 50 MILK STREET, 16TH FLOOR BOSTON, MA 02109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $428 | $12 | $440 | 2.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 SUMMIT LAKE DRIVE, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $147 | $11 | $158 | 0.76% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE STREET, SUITE 97 GETTYSBURG, PA 17325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $94 | $0 | $94 | 0.45% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUIT 5500 WOBURN, MA 01801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63 | $1 | $64 | 0.31% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW DRIVE, SUITE 240 CRANSON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $20 | $20 | 0.10% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BOULEVARD, SUITE 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $342 | $0 | $342 | 10.03% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS, INC. | 135 | $902K |
| Dental | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS, INC. | 135 | $902K |
| Vision | VISION SERVICE PLAN | 28 | $3K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 101 | $49K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 73 | $29K |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 101 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.