| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | AETNA LIFE INSURANCE CO. | $15K | $12K | $27K | 0.88% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | $4K | $47K | 16.57% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $475 | $10K | 15.75% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | EYEMED VISION CARE | $3K | — | $3K | 12.33% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $137 | $2K | 16.10% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $591 | $89 | $680 | 5.75% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $75 | $1K | 13.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HILB GROUP OF NEW ENGLAND LLC EIN 47-4324398 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $87K |
| UNUM LIFE INS. COMP. OF AMERICA EIN 01-0278678 STD ADMINISTRATOR | Contract Administrator; Claims processing; Insurance services; Other commissions Service code 12 | — | $32K |
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 | 491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 474 | $3.0M |
| Dental | AETNA LIFE INSURANCE CO. | 474 | $3.0M |
| Vision | EYEMED VISION CARE | 363 | $26K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 491 | $282K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $63K |
| Other(3 contracts) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 61 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.