| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | RELIASTAR LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN RD., STE. 800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $7K | — | $7K | 2.82% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN RD., STE. 800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $5K | — | $5K | 2.37% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $9K | $14K | 9.82% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $10K | 11.78% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 17.22% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 16.27% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | VISION SERVICE PLAN | $1 | — | $1 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 20.74% |
| LIBERTY FINANCIAL SERVICES3 Filed as: LIBERTY FINANCIAL SERVICES, INC. | 1910 COCHRAN RD., STE. 800 PITTSBURG, PA 15220 | LIBERRTY FINANCIAL SERVICES, INC | $99 | — | $99 | 2.23% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN RD., STE. 800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $105 | — | $105 | 3.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $237K |
| THE HILB GROUP OF NEW ENGLAND LLC EIN 47-4324398 BROKER | Other commissions Service code 55 | — | $57K |
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 | 513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UPMC HEALTH OPTIONS | 55 | $476K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 273 | $37K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 513 | $210K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 332 | $88K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $57K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 315 | $574K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 513 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.