| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $26K | $29K | 0.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SEVICES INC | 2850 GOLF ROAD 4FL ROLLING MEADOWS, IL 600084050 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $608 | $608 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DELTA DENTAL OF RHODE ISLAND | $5K | — | $5K | 2.86% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GRP OF NEW ENGLAND LLC | 30 MILL STREET UNIONVILLE, CT 06085 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 19.76% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD STE 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPNAY OF AMERICA | $14K | $2K | $16K | 22.95% |
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 | 243 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 465 | $3.7M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 431 | $162K |
| Life insurance | STANDARD INSURANCE COMPANY | 243 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPNAY OF AMERICA | 48 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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.