| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | UNITED HEALTHCARE INSURANCE COMPANY | $168K | — | $168K | 5.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | LIBERTY LIFE ASSUARNCE COMPANY OF BOSTON | $3K | $2K | $5K | 8.02% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | LIBERTY LIFE ASSUARNCE COMPANY OF BOSTON | $2K | — | $2K | 2.98% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | $1K | $6K | 10.84% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 4.61% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.24% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $727 | — | $727 | 2.75% |
| JAMES T KINNEY3 | 1429 WARWICK AVE WARWICK, RI 02888 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.87% |
| ROLANDO CAPANNA INSURANCE AGENCY3 | 2 BOYDS LANDING OKATIE, SC 29909 | TRANSAMERICA LIFE INSURANCE COMPANY | $462 | — | $462 | 2.06% |
| MICHAEL R ACKERMAN3 Filed as: MICHAEL ACKERMAN | 150 E SWEDESFORD ROAD SUITE 102 WAYNE, PA 190871458 | TRANSAMERICA LIFE INSURANCE COMPANY | $163 | — | $163 | 0.73% |
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 | 466 | 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) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 431 | $3.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 530 | $26K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSUARNCE COMPANY OF BOSTON | 465 | $87K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 466 | $51K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSUARNCE COMPANY OF BOSTON | 465 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.