| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF MASSACHUSETTS | $2K | — | $2K | 3.43% |
| USI INSURANCE SERVICES LLC3 | PO BOX 67937 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MASSACHUSETTS | $2K | — | $2K | 2.18% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 11.21% |
| USI INSURANCE SERVICES LLC3 | 12 GILL ST., STE. 5500 WOBURN, MA 01801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $275 | — | $275 | 2.07% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | VISION SERVICE PLAN | $581 | — | $581 | 7.26% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $172 | — | $172 | 2.15% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $451 | — | $451 | 9.46% |
| USI INSURANCE SERVICES LLC3 | 12 GILL ST., STE. 5500 WOBURN, RI 01801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $73 | — | $73 | 1.53% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $289 | — | $289 | 6.54% |
| USI INSURANCE SERVICES LLC3 | 12 GILL ST., STE.5500 WOBURN, MA 01801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $81 | — | $81 | 1.83% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $150 | — | $150 | 7.55% |
| USI INSURANCE SERVICES LLC3 | 12 GILL ST., STE. 5500 WOBURN, MA 01888 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36 | — | $36 | 1.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE BENEFIT ADMINISTRATORS OF MA THIRD PARTY ADMINISTRATO | Contract Administrator; Claims processing Service code 12 | PO BOX 55917 BOSTON, MA 02205 | $69K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Other commissions; Insurance agents and brokers Service code 22 | — | $68K |
| HILB GROUP OF NEW ENGLAND BROKER | Other commissions Service code 55 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | $18K |
| USI INSURANCE SERVICES, LLC BROKER | Insurance agents and brokers; Other commissions Service code 22 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | $4K |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MASSACHUSETTS | 139 | $70K |
| Vision | VISION SERVICE PLAN | 52 | $8K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 91 | $6K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 120 | $5K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 120 | $13K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 65 | $345K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 91 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.