| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $68K | $82K | 3.34% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $24K | — | $24K | 15.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 1375 KINGS HWY E., STE. 215 FAIRFIELD, CT 06824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $453 | $11K | 15.62% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | EYEMED VISION CARE | $2K | — | $2K | 10.05% |
| HILB GROUP OF NEW ENGLAND3 | 1375 KINGS HIGHWAY EAST, STE. 215 FAIRFIELD, CT 06824 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $175 | $1K | 16.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 1375 KINGS HIGHWAY EAST, STE. 215 FAIRFIELD, CT 06824 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $412 | $165 | $577 | 6.93% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 1375 KINGS HIGHWAY EAST, STE. 215 FAIRFIELD, CT 06824 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $845 | $111 | $956 | 17.21% |
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 | 472 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 291 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 291 | $2.5M |
| Vision | EYEMED VISION CARE | 307 | $24K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 472 | $161K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 272 | $73K |
| Other(3 contracts) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 55 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.