| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $3K | $33K | 3.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY ST. NEW YORK, NY 10281 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 0.70% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM GROUP | $20K | — | $20K | 3.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 800 BOYLESTON ST., STE 600 BOSTON, MA 52199 | EYEMED VISION CARE | $2K | — | $2K | 2.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 50-1031071 TPA | Participant communication; Contract Administrator; Float revenue; Other services; Claims processing; Direct payment from the plan; Named fiduciary; Non-monetary compensation Service code 12 | — | $803K |
| HILB GROUP OF NEW ENGLAND EIN 47-4324398 BROKER | Other commissions; Insurance brokerage commissions and fees Service code 53 | — | $108K |
| WILLIS TOWERS WATSON NORTHEAST TPA | Contract Administrator; Claims processing Service code 12 | 200 LIBERTY ST. NEW YORK, NY 10281 | $10K |
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 | 712 | 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) | 719 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 712 | $857K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,053 | $943K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 712 | $857K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 712 | $857K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 712 | $857K |
| Stop-loss / reinsurancereinsurance | UNUM GROUP | 1,149 | $582K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 712 | $857K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,149 | — |
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.