| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 1375 KINGS HIGHWAY EAST-SUITE 215 FAIRFIELD, CT 06824 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $182K | $46K | $228K | 1.94% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY-360 CORP BEN. AD | 1375 KINGS HIGHWAY EAST-SUITE 215 FAIRFIELD, CT 06824 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $176K | — | $176K | 1.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 1375 KINGS HWY E, STE 215 FAIRFIELD, CT 06824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $4K | $19K | 3.63% |
| 360 CORPROATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY E - #215 FAIRFIELD, CT 06824 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $8K | — | $8K | 7.53% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP | 1375 KINGS HIGHWAY E - #215 FAIRFIELD, CT 06824 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $2K | — | $2K | 1.91% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 1375 KINGS HIGHWAY-SUITE 215 FAIRFIELD, CT 06824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $516 | $11K | 15.75% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $58 | — | $58 | 9.86% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $22 | — | $22 | 3.74% |
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 | 787 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,834 | $11.8M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,834 | $11.8M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 1,217 | $110K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 787 | $588K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 787 | $520K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 787 | $520K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 787 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,834 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.