| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | SECURIAN LIFE INSURANCE COMPANY | $108K | — | $108K | 9.35% |
| NEESENROLL3 Filed as: NEESENROLL INC | 65 BURBANK RD. SUTTON, MA 01590 | SECURIAN LIFE INSURANCE COMPANY | $53K | — | $53K | 4.62% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 20920 | HARTFORD LIFE AND ACCIDENT | $48K | — | $48K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | ARAG INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF RI EIN 05-0158952 TPA | Contract Administrator; Claims processing Service code 12 | — | $3.5M |
| HILB GROUP OF NEW ENGLAND BROKER | Insurance agents and brokers Service code 22 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | $311K |
| DELTA DENTAL OF RI EIN 05-0296998 TPA | Contract Administrator; Claims processing Service code 12 | — | $28K |
| VSP VISION CARE EIN 06-1227840 TPA | Claims processing; Contract Administrator Service code 12 | — | $24K |
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 | 2,496 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 3,552 | $1.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,496 | $483K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,496 | $483K |
| Other(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 3,552 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,552 | — |
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.