| 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., STE. 240 CRANSTON, RI 29203 | HARVARD PILGRIM HEALTH CARE | $115K | — | $115K | 3.44% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | GUARDIAN | $10K | $2K | $12K | 6.07% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 15.00% |
| INDIGO INSURANCE SERVICES3 | 401 PARK DR. BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 7.00% |
| 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 | $8K | — | $8K | 10.52% |
| JOHN FRANK SIRACUSA3 Filed as: JOHN SIRACUSA | 18797 SE RIVER RIDGE RD. TEQUESTA, FL 33469 | EYEMED VISION CARE | $2K | — | $2K | 9.99% |
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 | 442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 515 | $3.4M |
| Dental | GUARDIAN | 290 | $191K |
| Vision | EYEMED VISION CARE | 386 | $21K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 442 | $237K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 442 | $237K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 442 | $237K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 417 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.