| 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 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $15K | $28K | 13.03% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN RD., STE. 800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $5K | — | $5K | 2.18% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN RD., STE. 800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $5K | — | $5K | 2.80% |
| 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 | $5K | $5K | $10K | 13.23% |
| 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 | $7K | $4K | $11K | 16.20% |
| 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 | $2K | — | $2K | 4.27% |
| LIBERTY FINANCIAL SERVICES3 Filed as: LIBERTY FINANCIAL SERVICES, INC. | 1910 COCHRAN RD., STE. 800 PITTSBURGH, PA 15220 | HIGHMARK INC. | $193 | — | $193 | 3.95% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN RD., STE. 800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $42 | — | $42 | 1.87% |
| 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 | $681 | — | $681 | — |
| 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 | $88 | — | $88 | — |
| 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 | $151 | — | $151 | — |
| 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 | $43 | — | $43 | — |
| 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 | $2 | — | $2 | — |
| 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 | $804 | — | $804 | — |
| 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: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $556 | — | $556 | — |
| 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. | $292 | — | $292 | — |
| 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 | $93 | — | $93 | — |
| 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 | $210 | — | $210 | — |
| 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 | $222 | — | $222 | — |
| 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 | $59 | — | $59 | — |
| 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 | $205 | — | $205 | — |
| 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. | $115 | — | $115 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $107 | — | $107 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $52 | — | $52 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $21 | — | $21 | — |
| 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. | $12 | — | $12 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $226K |
| 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 | 620 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UPMC HEALTH OPTIONS | 51 | $400K |
| Dental(21 contracts, 2 carriers) | DELTA DENTAL OF RHODE ISLAND | 153 | $0 |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 297 | $41K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 538 | $215K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 620 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $68K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 347 | $410K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 538 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.