| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GRUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $37K | $12K | $50K | 2.44% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | UNITED HEALTHCARE INSURANCE COMPANY | $52K | $528 | $53K | 4.55% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $7K | — | $7K | 2.98% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 7.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.40% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | FOUR EVER LIFE INSURANCE CO. | $4K | — | $4K | 8.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE SUITE 1300, MAIL STOP 01/177 BOSTON, MA 02199 | FOUR EVER LIFE INSURANCE CO. | — | $3K | $3K | 5.00% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $295 | $2K | 7.84% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $957 | — | $957 | 3.12% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $1K | — | $1K | 4.70% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 20.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | GERBER LIFE INSURANCE COMPANY | $640 | — | $640 | 15.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | FEDERAL INSURANCE COMPANY | $581 | — | $581 | 15.01% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $216 | — | $216 | 8.00% |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 302 | $3.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 437 | $235K |
| Vision | VISION SERVICE PLAN | 115 | $26K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 242 | $179K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 242 | $145K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 242 | $145K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 242 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.