| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | HPHC INSURANCE COMPANY | $29K | — | $29K | 2.17% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $13K | — | $13K | 2.15% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $4K | — | $4K | 2.88% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 10.81% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $10K | $18K | 32.14% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 12.17% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN RD. PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $1K | — | $1K | 2.52% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | VISION SERVICE PLAN | $1K | — | $1K | 4.69% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD., STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $100 | — | $100 | 0.34% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $284 | $3K | 11.11% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | AFLAC | $3K | — | $3K | 16.59% |
| WILLIAM H KIRK3 Filed as: WILLIAM H. KIRK | 399 JEFFERSON BLVD. WARWICK, RI 02886 | AFLAC | $119 | $30 | $149 | 0.98% |
| DIANE J KRENTZMAN PORTER3 Filed as: DIANE J. KRENTZMAN PORTER | 6 CEDAR LN. FOXBOROUGH, MA 02035 | AFLAC | $74 | — | $74 | 0.49% |
| KEVIN R MCINERNEY3 Filed as: KEVIN R. MCINERNEY | 14 STILLMAN LN. PLEASANTVILLE, NY 10570 | AFLAC | $30 | $19 | $49 | 0.32% |
| WEX INC3 Filed as: WEX INC. | 11 STOCKDALE RD. NEEDHAM, MA 02492 | AFLAC | $11 | — | $11 | 0.07% |
| J KING INSURANCE INC3 Filed as: J KING INSURANCE INC. | 50 MAIN ST., STE. 200 EAST GREENWICH, RI 02818 | AFLAC | $8 | — | $8 | 0.05% |
| KAREN TUCCI3 | 73 STETSON DR. MARLBOROUGH, MA 01752 | AFLAC | $7 | — | $7 | 0.05% |
| WENDY ANN MERCIER3 | PO BOX 18 MEDWAY, MA 02053 | AFLAC | $1 | — | $1 | 0.01% |
| RONDI L BUTLER3 | 10 CONSTITUTION AVE. ATTLEBORO, MA 02703 | AFLAC | $1 | — | $1 | 0.01% |
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 | 295 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HPHC INSURANCE COMPANY | 221 | $2.0M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 367 | $147K |
| Vision | VISION SERVICE PLAN | 199 | $30K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 295 | $99K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 295 | $60K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 295 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.