| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $50K | $12K | $62K | 2.30% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $9K | $2K | $11K | 3.36% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | UNITED HEALTHCARE INSURANCE COMPANY OF NEW YORK | $12K | — | $12K | 4.83% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $500 | $500 | 0.57% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | EYEMED VISION CARE | $2K | — | $2K | 6.42% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | EYEMED VISION CARE | $1K | — | $1K | 4.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $258 | — | $258 | 0.89% |
No Schedule C service providers reported on this filing.
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 | 895 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 107 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,002 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 310 | $3.0M |
| Vision | EYEMED VISION CARE | 323 | $29K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 895 | $315K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 460 | $13K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 600 | $88K |
| Other | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 600 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 895 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.