| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $71K | $4K | $75K | 13.68% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $5K | $28K | 13.23% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $4K | $21K | 13.21% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | EYEMED VISION CARE | $6K | — | $6K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | ARAG INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MASSACHUSETTS EIN 04-6143185 DENTAL CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | 465 MEDFORD ST. BOSTON, MA 02129 | $552K |
| BLUE CROSS BLUE SHIELD OF MASS. EIN 04-1045815 MEDICAL CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | LANDMARK CENTER 401 PARK DR. BOSTON, MA 02215 | $86K |
| LINCOLN NATIONAL LIFE INS. CO. EIN 35-0472300 STD CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $23K |
| HILB GROUP OF NEW ENGLAND BROKER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees; Insurance services Service code 22 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | $16K |
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 | 564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 923 | $56K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 564 | $214K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 564 | $162K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,136 | $545K |
| Other | ARAG INSURANCE COMPANY | 186 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,136 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.