| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 29203 | HARVARD PILGRIM HEALTH CARE | $76K | $31K | $107K | 2.39% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46K | $13K | $59K | 13.93% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | HARVARD PILGRIM HEALTH CARE | $2K | $727 | $3K | 2.25% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | EYEMED VISION CARE | $2K | — | $2K | 10.24% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $780 | $11 | $791 | 3.82% |
| THOMAS BENEFITS INC3 | 14 CHANDLER ST. SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $532 | $60 | $592 | 2.86% |
| DB INSURANCE INC3 | 23 FRANKLIN ST. SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | — | $303 | 1.46% |
| CHRISTOPHER MANZI3 | 400 COLONIAL DR., UNIT 66 IPSWICH, MA 01938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | $35 | $172 | 0.83% |
| MICHAEL R ACKERMAN3 | 275 COMMERCE DR., STE. 301 FORT WASHINGTON, PA 19034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 0.65% |
| GIANNI RICHIO3 | 18 RICKER CIR. SOUTH HAMILTON, MA 01982 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | — | $116 | 0.56% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON ST. CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2 LIBERTY SQ. BOSTON, MA 02109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.38% |
| J KING INSURANCE INC3 | THE ENROLLMENT NETWORK EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $15 | $59 | 0.28% |
| STEPHEN CORRIVEAU3 | 430 GRANGE RD. NORTH SMITHIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.15% |
| MELISSA J LINDSEY3 | 152 HARRIS RD. SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.12% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD. SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.10% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: GARTH E BROWN | 7 SKYTOP RD. IPSWICH, MA 01939 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.09% |
| FLEURY ENTERPRISES INC3 Filed as: FLEURY ENTERPRISES IN | 162 INDIAN POINT RD. TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.07% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | METROPOLITAN GENERAL INSURANCE COMPANY | $405 | $45 | $450 | 11.06% |
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 | 390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 373 | $4.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 390 | $422K |
| Vision | EYEMED VISION CARE | 301 | $22K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 390 | $443K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 390 | $443K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 390 | $422K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 390 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.