| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $3K | $53K | $56K | 1.77% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $582 | $11K | 15.85% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $510 | $8K | 12.94% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $186 | $7K | 29.76% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $700 | $95 | $795 | 5.68% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $891 | — | $891 | 10.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | ARAG INSURANCE COMPANY | $521 | — | $521 | 10.01% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $485 | $21 | $506 | 20.90% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $204 | — | $204 | 10.01% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $8 | — | $8 | 10.53% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $4 | — | $4 | 9.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF RHODE ISLAND EIN 05-0296998 THIRD PARTY ADMINISTRATO | Claims processing; Contract Administrator Service code 12 | — | $14K |
| HILB GROUP OF NEW ENGLAND BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | $6K |
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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 402 | $3.2M |
| Vision(6 contracts) | DELTA DENTAL OF RHODE ISLAND | 108 | $37K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 382 | $93K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $65K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 382 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.