| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | ANTHEM HEALTH PLANS, INC. | $173K | $28K | $202K | 2.47% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5200 N PALM SVE., #114 FRESNO, CA 93704 | ANTHEM HEALTH PLANS, INC. | — | $139K | $139K | 1.70% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 NORTH 40TH ST., STE. 234 PHOENIX, AZ 85018 | ANTHEM HEALTH PLANS, INC. | — | $41K | $41K | 0.50% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | HARVARD PILGRIM HEALTH CARE | $9K | $6K | $14K | 2.51% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $9K | $21K | 8.47% |
| MACARIO CORPORATION3 | 15400 28TH AVE. NORTH, STE. 200 PLYMOUTH, MN 55447 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $7K | $17K | 8.53% |
| MACARIO CORPORATION3 | 15400 28TH AVE. NORTH, STE. 200 PLYMOUTH, MN 55447 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $10K | $10K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $5K | $26K | 18.40% |
| MACARIO CORPORATION3 | 15400 28TH AVE. NORTH, STE. 200 PLYMOUTH, MN 55447 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | HPHC INSURANCE COMPANY | $1K | $852 | $2K | 2.53% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $1K | $9K | 23.18% |
| MACARIO CORPORATION3 | 15400 28TH AVE. NORTH, STE. 200 PLYMOUTH, MN 55447 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | METLIFE LEGAL PLANS | $3K | — | $3K | 9.99% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $865 | $6K | 23.40% |
| MACARIO CORPORATION3 | 15400 28TH AVE. NORTH, STE. 200 PLYMOUTH, MN 55447 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $709 | $5K | 23.20% |
| MACARIO CORPORATION3 | 15400 28TH AVE. NORTH, STE. 200 PLYMOUTH, MN 55447 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $441 | $304 | $745 | 8.44% |
| MACARIO CORPORATION3 | 15400 28TH AVE. NORTH, STE. 200 PLYMOUTH, MN 55447 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $442 | $442 | 5.01% |
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 | 921 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS, INC. | 940 | $8.8M |
| Dental | ANTHEM HEALTH PLANS, INC. | 940 | $8.2M |
| Vision | ANTHEM HEALTH PLANS, INC. | 940 | $8.2M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 921 | $152K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 461 | $203K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 331 | $252K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 921 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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.
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.