| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | FIRST SYMETRA NATIONAL LIFE INS. CO. OF NEW YORK | — | $21K | $21K | 2.77% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | FIRST UNUM LIFE INSURANCE COMPANY | $21K | $3K | $24K | 11.48% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | FIRST UNUM LIFE INSURANCE COMPANY | $15K | $1K | $16K | 16.48% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | EYEMED VISION CARE | $3K | — | $3K | 10.76% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 27.18% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $644 | $202 | $846 | 6.01% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $868 | — | $868 | 6.72% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $377 | $118 | $495 | 5.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE AND HEALTH INSURANCE COMPA EIN 06-0893662 CONTRACT ADMIN DENTAL | Claims processing; Contract Administrator; Other fees Service code 12 | — | $22K |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 404 | $26K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 291 | $305K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 291 | $205K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | FIRST SYMETRA NATIONAL LIFE INS. CO. OF NEW YORK | 207 | $1.5M |
| Other(6 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 291 | $357K |
| 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."
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.