| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP CENTRAL LLC | 3000 WESLAYAN ST., STE. 390 HOUSTON, TX 77027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 7.90% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP CENTRAL, LLC | 3000 WESLAYAN ST., STE. 390 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 19.95% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP CENTRAL LLC | 3000 WESLAYAN ST., STE. 390 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 21.04% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP CENTRAL, LLC | 3000 WESLAYAN ST., STE. 390 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.42% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP CENTRAL LLC | 3000 WESLAYAN ST., STE. 390 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $740 | $3K | 20.65% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP CENTRAL LLC | 3000 WESLAYAN ST., STE. 390 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $627 | $2K | 21.53% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP CENTRAL LLC | 3000 WESLAYAN ST., STE. 390 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $589 | $2K | 21.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HILB GROUP OF NEW ENGLAND EIN 47-4324398 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $75K |
| ULTRABENEFITS INC. EIN 04-3525752 CONTRACT ADMIN | Contract Administrator; Claims processing Service code 12 | — | $37K |
| SHARX EIN 84-3019478 TPA | Other services; Claims processing Service code 12 | — | $30K |
| CIGNA EIN 59-1031071 TPA | Claims processing; Contract Administrator Service code 12 | — | $20K |
| RIGHTWAY EIN 82-0865206 CONCIERGE | Claims processing Service code 12 | — | $7K |
| TELEDOC EIN 20-1020949 TELEMEDICINE | Claims processing; Contract Administrator; Other services Service code 12 | — | $2K |
| PHIA GROUP EIN 04-3504115 TPA | Claims processing; Other services Service code 12 | — | $1K |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $71K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $71K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 51 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 39 | $29K |
| Stop-loss / reinsurancereinsurance | PROSELECT INSURANCE COMPANY | 105 | $201K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.