| 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. SUITE 240 CRANSTON, RI 29203 | UNITEDHEALTHCARE INSURANCE COMPANY | $113K | — | $113K | 4.23% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 135 BEAVER ST STE 404 WALTHAM, MA 02452 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37K | $25K | $63K | 12.73% |
| JOHN FRANK SIRACUSA3 Filed as: JOHN SIRACUSA | 69 CARLETON RD BELMONT, MA 02478 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 7.26% |
| JOHN FRANK SIRACUSA3 Filed as: JOHN SIRACUSA | 18797 SE RIVER RIDGE RD. TEQUESTA, FL 33469 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $718 | — | $718 | 3.23% |
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 | 417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 598 | $2.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 598 | $2.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 369 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $494K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $494K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $494K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $494K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.