| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | UNKNOWN NEWTON, MA 02458 | TUFTS INSURANCE COMPANY | $3K | $847 | $3K | 2.73% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INS. AGENCY, INC. | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | TUFTS INSURANCE COMPANY | $450 | $0 | $450 | 0.37% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BOULEVARD, SUITE 3001 WARWICK, RI 02886 | ALTUS DENTAL INSURANCE COMPANY, INC. | $4K | $0 | $4K | 4.32% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INS. AGENCY, INC. | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | ALTUS DENTAL INSURANCE COMPANY, INC. | $1K | $0 | $1K | 1.46% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | UNKNOWN NEWTON, MA 02458 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $3K | $591 | $4K | 5.19% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INS. AGENCY, INC. | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $700 | $0 | $700 | 0.89% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW DRIVE, SUITE 240 CRANSTON, RI 02920 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 18.98% |
| ACCESS ENROLL3 | 153 CORDAVILLE ROAD, SUITE 130 SOUTHBORO, MA 01772 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $207 | $0 | $207 | 1.13% |
| ERS INSURANCE BROKERS INC.3 | ONE GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $138 | $0 | $138 | 0.75% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BOULEVARD, SUITE 3001 WARWICK, RI 02886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $201 | $1K | 13.09% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INS. AGENCY, INC. | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $413 | $0 | $413 | 3.74% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW DRIVE, SUITE 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 29.27% |
| ACCESS ENROLL3 | 153 CORDAVILLE ROAD, SUITE 130 SOUTHBORO, MA 01772 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37 | $0 | $37 | 0.58% |
| ERS INSURANCE BROKERS INC.3 | ONE GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25 | $0 | $25 | 0.39% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BOULEVARD, SUITE 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $236 | $0 | $236 | 7.45% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INS. AGENCY, INC. | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | VISION SERVICE PLAN | $81 | $0 | $81 | 2.56% |
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 | 91 | 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) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 18 | $201K |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 214 | $85K |
| Vision | VISION SERVICE PLAN | 19 | $3K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 42 | $29K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 42 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 31 | $11K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 18 | $201K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.