| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE 240 COVENTRY, RI 02816 | HPHC INSURANCE COMPANY | $47K | — | $47K | 4.42% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 3.50% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $5K | 6.06% |
| MICHAEL E PERRAS3 | 32 ESTATE DR. EXETER, RI 02822 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $678 | — | $678 | 0.88% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $486 | $4K | 12.96% |
| MICHAEL E PERRAS3 | 32 ESTATE DR. EXETER, RI 02822 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.57% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $415 | $4K | 12.13% |
| MICHAEL E PERRAS3 | 32 ESTATE DR. EXETER, RI 02822 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $847 | — | $847 | 2.92% |
| ACCESS ENROLL3 | 33 LANDAU RD. PLAINVILLE, MA 02792 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $401 | — | $401 | 1.38% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 10.00% |
| ACCESS ENROLL3 | 33 LANDAU RD. PLAINVILLE, MA 02792 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $287 | — | $287 | 2.67% |
| MICHAEL E PERRAS3 | 32 ESTATE DR. EXETER, RI 02822 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $191 | — | $191 | 1.78% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | UNUM INSURANCE COMPANY | $450 | $176 | $626 | 7.56% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | UNUM INSURANCE COMPANY | $651 | $90 | $741 | 17.09% |
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 | 216 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HPHC INSURANCE COMPANY | 254 | $1.1M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 254 | $95K |
| Vision | DELTA DENTAL OF RHODE ISLAND | 170 | $14K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $120K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 40 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 40 | $29K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.