| 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 MASSACHUSETTS, INC. | $39K | $13K | $52K | 2.42% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $6K | — | $6K | 3.35% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $1K | $10K | 17.45% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE | 60 CATAMORE BLVD. EAST PROVIDENCE, RI 02914 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $302 | $2K | 3.19% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $503 | $216 | $719 | 1.27% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $582 | $4K | 17.40% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE | 60 CATAMORE BLVD. EAST PROVIDENCE, RI 02914 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $161 | $44 | $205 | 0.98% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $73 | $30 | $103 | 0.49% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE | $4K | — | $4K | 18.45% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $348 | $65 | $413 | 9.60% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE | 60 CATAMORE BLVD. EAST PROVIDENCE, RI 02914 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $234 | $64 | $298 | 6.93% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $106 | $50 | $156 | 3.63% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $406 | $61 | $467 | 18.04% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE | 60 CATAMORE BLVD. EAST PROVIDENCE, RI 02914 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $84 | $17 | $101 | 3.90% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28 | $13 | $41 | 1.58% |
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 | 123 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 251 | $2.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 265 | $171K |
| Vision | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE | 255 | $19K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 123 | $21K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 64 | $4K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 123 | $57K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 123 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.