| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $37K | — | $37K | 2.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGALND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 11.19% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.54% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $186 | — | $186 | 3.81% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 177 | $1.8M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 71 | $5K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $31K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $35K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.