| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BOULEVARD, SUITE 3001 WARWICK, RI 28862 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $2K | $20K | 2.42% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INS. AGENCY, INC. | 434 ROUTE 134, SUITE F1 SOUTH DENNIS, MA 26603 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 0.80% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BOULEVARD, SUITE 3001 WARWICK, RI 28862 | 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, SUITE F1 SOUTH DENNIS, MA 26603 | ALTUS DENTAL INSURANCE COMPANY, INC. | $1K | $0 | $1K | 1.44% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BOULEVARD, SUITE 3001 WARWICK, RI 28862 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $426 | $3K | 13.07% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INS. AGENCY, INC. | 434 ROUTE 134, SUITE F1 SOUTH DENNIS, MA 26603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $892 | $0 | $892 | 3.70% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BOULEVARD, SUITE 3001 WARWICK, RI 28862 | VISION SERVICE PLAN | $691 | $0 | $691 | 5.71% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INS. AGENCY, INC. | 434 ROUTE 134, SUITE F1 SOUTH DENNIS, MA 26603 | VISION SERVICE PLAN | $125 | $0 | $125 | 1.03% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 139 | $836K |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 214 | $85K |
| Vision | VISION SERVICE PLAN | 79 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $24K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 139 | $836K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $24K |
| 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."
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.