| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | AETNA LIFE INSURANCE CO. | — | $20K | $20K | 0.41% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 6.95% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF MASSACHUSETTS, INC. | $9K | — | $9K | 3.20% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK LLC | 1983 MARCUS AVE. LAKE SUCCESS, NY 11042 | STANDARD INSURANCE COMPANY | $30K | — | $30K | 74.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | VISION SERVICE PLAN | $1K | — | $1K | 4.60% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR | 7979 OLD GEORGETOWN RD., STE. 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $153 | — | $153 | 0.50% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | FOUR EVER LIFE INS. CO. | $486 | $97 | $583 | 17.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LYRA HEALTH TPA | Claims processing; Contract Administrator Service code 12 | 270 EAST LANE BURLINGAME, CA 94010 | $80K |
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 | 427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 649 | $4.7M |
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. | 683 | $293K |
| Vision | VISION SERVICE PLAN | 307 | $31K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 427 | $399K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 427 | $399K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 427 | $399K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 427 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.