| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $36K | $40K | 5.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY STE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $18K | $18K | 2.28% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 12.33% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY STE 200 WALLINGFORD, CT 06492 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | EYEMED VISION CARE | $1K | — | $1K | 10.03% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $801K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $801K |
| Vision | EYEMED VISION CARE | 122 | $11K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $50K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $50K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $50K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.