| 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 | $80K | — | $80K | 1.56% |
| STACY SHILL3 | 3 WOODHAVEN ROAD BARRINGTON, RI 02806 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | — | $31K | 7.00% |
| SHIELDS BROKERAGE3 | 21 HAMPTON RD., STE. 104 EXETER, NH 03833 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 5.00% |
| MGIS3 | 111 SOUTH MAIN ST., STE. 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.04% |
| 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 | 14.72% |
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 | 443 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 837 | $5.2M |
| Dental | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 873 | $303K |
| Vision | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 837 | $5.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 443 | $438K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 443 | $438K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 837 | $5.2M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 443 | $511K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 873 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.