| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 1375 KINGS HIGHWAY EAST, SSTE. 215 FAIRFIELD, CT 06824 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 1375 KINGS HIGHWAY EAST FAIRFIELD, CT 06824 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $786 | $7K | 17.51% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | EYEMED VISION CARE | $2K | — | $2K | 8.27% |
| HILB GROUP OF NEW ENGLAND3 | 1375 KINGS HIGHWAY EAST, STE. 215 FAIRFIELD, CT 06824 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| JASON JAWOROSKI3 Filed as: JASON S. JAWOROSKI | 1375 KINGS HIGHWAY EAST FAIRFIELD, CT 06824 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 1375 KINGS HIGHWAY EAST, STE. 215 FAIRFIELD, CT 06824 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $560 | — | $560 | 9.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 1375 KINGS HIGHWAY EAST FAIRFIELD, CT 06824 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $186 | $71 | $257 | 4.62% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 1375 KINGS HIGHWAY EAST, STE. 215 FAIRFIELD, CT 06824 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $103 | $37 | $140 | 3.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY CANADA EIN 38-1082080 CONTRACT ADMIN DENTAL | Other fees; Claims processing Service code 12 | — | $5K |
| HILB GROUP OF NEW ENGLAND INSURANCE BROKER | Other commissions; Insurance agents and brokers Service code 22 | 1375 KINGS HIGHWAY EAST, STE. 215 FAIRFIELD, CT 06824 | $4K |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 404 | $25K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 285 | $253K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 270 | $134K |
| Other(8 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 285 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.