| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARIWCK, RI 02886 | UNITED HEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 7.31% |
| GENCORP INSURANCE GROUP INC3 Filed as: GENCORP INSURANCE GROUP INC. | 16 MAIN STREET EAST GREENWICH, RI 02818 | UNITED HEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 7.25% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $6K | — | $6K | 2.67% |
| THE ENROLLMENT NETWORK3 Filed as: ENROLLMENT NETWORK | 5835 POST RD., STE. 214 EAST GREENWICH, RI 02818 | VISION SERVICE PLAN | $1K | — | $1K | 5.44% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 11.69% |
| GENCORP INSURANCE GROUP INC3 Filed as: GENCORP INSURANCE GROUP INC. | 16 MAIN STREET EAST GREENWICH, RI 02818 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 8.31% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 11.68% |
| GENCORP INSURANCE GROUP INC3 Filed as: GENCORP INSURANCE GROUP INC. | 16 MAIN STREET EAST GREENWICH, RI 02818 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 8.32% |
| THE ENROLLMENT NETWORK3 | 5835 POST RD., STE. 214 EAST GREENWICH, RI 02818 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 11.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $555 | — | $555 | 11.69% |
| GENCORP INSURANCE GROUP INC3 Filed as: GENCORP INSURANCE GROUP INC. | 16 MAIN STREET EAST GREENWICH, RI 02818 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $394 | — | $394 | 8.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $161K |
| GENCORP INSURANCE GROUP INC. BROKER | Other commissions Service code 55 | 16 MAIN STREET EAST GREENWICH, RI 02818 | $0 |
| THE HILB GROUP OF NEW ENGLAND LLC EIN 47-4324398 BROKER | Other commissions Service code 55 | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | $0 |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF RHODE ISLAND | 487 | $208K |
| Vision | VISION SERVICE PLAN | 172 | $21K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 63 | $18K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 63 | $5K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 144 | $34K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 525 | $495K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 63 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.