| 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 BLVD., STE. 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $65K | — | $65K | 2.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $155 | — | $155 | 0.06% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | HARTFORD LIFE AND AND ACCIDENT | $16K | $460 | $16K | 10.29% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INS SERVICES LLC | 446 MAIN STREET 5TH FL WORCESTER, MA 01608 | HARTFORD LIFE AND AND ACCIDENT | — | $11K | $11K | 6.97% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.27% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 682 | $3.3M |
| Dental | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 768 | $263K |
| Vision | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 682 | $3.3M |
| Life insurance | HARTFORD LIFE AND AND ACCIDENT | 347 | $157K |
| Long-term disability | HARTFORD LIFE AND AND ACCIDENT | 347 | $157K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 682 | $3.3M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND AND ACCIDENT | 347 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 768 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.