| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN RD., STE. 800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $7K | — | $7K | 3.40% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN RD., STE. 800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $5K | — | $5K | 2.79% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC. | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $8K | $20K | 11.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 10.89% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.29% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $1K | — | $1K | 4.52% |
| LIBERTY FINANCIAL SERVICES3 Filed as: LIBERTY FINANCIAL SERVICES, INC. | 1910 COCHRAN RD., STE. 800 PITTSBURGH, PA 15220 | HIGHMARK INC. | $188 | — | $188 | 3.95% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $463 | — | $463 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $156 | — | $156 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $288 | — | $288 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $6 | — | $6 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $379 | — | $379 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $121 | — | $121 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $77 | — | $77 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NE, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | ALTUS DENTAL INSURANCE COMPANY, INC. | $2K | — | $2K | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NE, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | ALTUS DENTAL INSURANCE COMPANY, INC. | $260 | — | $260 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $99 | — | $99 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $78 | — | $78 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $255 | — | $255 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARIWCK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $123 | — | $123 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $293 | — | $293 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $115 | — | $115 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | ALTUS DENTAL INSURANCE COMPANY, INC. | $15 | — | $15 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $260K |
| CORNERSTONE GROUP EIN 05-0474165 BROKER | Other commissions Service code 55 | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | $0 |
| THE HILB GROUP OF NEW ENGLAND LLC EIN 47-4324398 BROKER | Other commissions Service code 55 | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | $0 |
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 | 553 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UPMC HEALTH OPTIONS | 44 | $395K |
| Dental(17 contracts, 2 carriers) | DELTA DENTAL OF RHODE ISLAND | 184 | $0 |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 256 | $37K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 553 | $182K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $42K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 383 | $393K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 553 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.