| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 30 BRAINTREE HILL OFFICE PARK SUITE 203 BRAINTREE, MA 02184 | HCC LIFE INSURANCE COMPANY | — | $750 | $750 | 0.27% |
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AGENCY | 500 MAMARONECK AVE., STE. 200 HARRISON, NY 10528 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 8.00% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVE., STE. 200 HARRISON, NY 10528 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $150 | $3K | 15.56% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 30 BRAINTREE HILL OFFICE PARK SUITE 203 BRAINTREE, MA 02184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $269 | — | $269 | 1.33% |
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AGENCY | 500 MAMARONECK AVE., STE. 200 HARRISON, NY 10528 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $107 | $2K | 9.89% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 30 BRAINTREE HILL OFFICE PARK SUITE 203 BRAINTREE, MA 02184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $111 | — | $111 | 0.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 THIRD PARTY ADMIN | Claims processing; Contract Administrator Service code 12 | — | $66K |
| YORK INTERNATIONAL AGENCY LLC BROKER | Claims processing; Insurance agents and brokers Service code 12 | 500 MMARONECK AVE. HARRISON, NY 44122 | $13K |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $75K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $75K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 265 | $36K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 126 | $273K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 265 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
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.