| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITEDHEALTHCARE INSURANCE COMPANY | $85K | — | $85K | 2.42% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $5K | $27K | 12.06% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF MASSACHUSETTS | $6K | — | $6K | 3.17% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | FOUR EVER LIFE INS. CO. | $14K | — | $14K | 8.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE., STE. 1300 BOSTON, MA 02199 | FOUR EVER LIFE INS. CO. | — | $5K | $5K | 3.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $794 | $5K | 12.06% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | FEDERAL INSURANCE COMPANY | $3K | $611 | $3K | 18.63% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | CONTINENTAL AMERICAN INSURANCE COMPANY | $589 | — | $589 | 4.84% |
| RYAN JAMES CLEPPER3 Filed as: RYAN J. CLEPPER | 124 EDGELL ST. GARDNER, MA 01440 | CONTINENTAL AMERICAN INSURANCE COMPANY | $300 | — | $300 | 2.47% |
| JOEL B KARAS3 | 130 PARSONS ST. BRIGHTON, MA 02135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $225 | — | $225 | 1.85% |
| ROBERT S. TAPPAN3 Filed as: ROBERT SCOTT ZEMAN | 37 DERRYFIELD CT. MANCHESTER, NH 03104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $210 | — | $210 | 1.73% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | 222 WARD ST. NEWTON CENTRE, MA 02459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | — | $172 | 1.41% |
| BENEDIKT N MASON3 Filed as: BENEDIKT N. MASON | 17 LITTLE BEAR HILL RD. WESTFORD, MA 01886 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.51% |
| EVAN D CROSS3 Filed as: EVAN D. CROSS | 100 ALLERTON RD. MILTON, MA 02186 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.30% |
| DAVID J MCCLELLAN3 Filed as: DAVID SCOTT HALLETT | 8 BROOKS ST. WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.21% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | CONTINENTAL AMERICAN INSURANCE COMPANY | $309 | — | $309 | 4.62% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $3.7M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 414 | $195K |
| Vision | VISION SERVICE PLAN | 134 | $33K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $285K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $227K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $227K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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."
No prospect flags tripped on this filing.