| 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 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $119K | $82K | $201K | 2.80% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | KAISER FOUNDATION HEALTH PLAN INC. | $33K | — | $33K | 4.19% |
| BENEFITSCAFE.COM3 | 280 N MONTEBELLO BLVD., STE. 102 MONTEBELLO, CA 90640 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 0.26% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $17K | — | $17K | 2.31% |
| INDIGO INSURANCE SERVICES3 | 100 FRONT STREET, 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $40K | $40K | 8.12% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 3.72% |
| 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 | $11K | — | $11K | 10.48% |
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 | 944 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 968 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1,343 | $8.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1,537 | $751K |
| Vision | EYEMED VISION CARE | 1,288 | $104K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 944 | $494K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 944 | $494K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 944 | $494K |
| Other | HARTFORD LIFE AND ACCIDENT | 944 | $494K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,537 | — |
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.