| 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 | CONNECTICARE, INC. | $72K | — | $72K | 2.25% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | HEALTH NEW ENGLAND, INC. | $4K | — | $4K | 0.76% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 4 FOREST PARK DRIVE FARMINGTON, CT 06034 | AMERITAS LIFE INSURANCE CORP. | $11K | $1K | $12K | 6.26% |
| ANDREWS BENEFITS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 6.58% |
| ANDREWS BENEFITS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.09% |
| ANDREWS BENEFITS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $28K | — | $28K | 58.69% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.91% |
| ANDREWS BENEFITS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 13.78% |
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 | 503 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONNECTICARE, INC. | 424 | $3.7M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 605 | $199K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 605 | $199K |
| Life insurance | STANDARD INSURANCE COMPANY | 503 | $87K |
| Short-term disability | STANDARD INSURANCE COMPANY | 470 | $60K |
| Long-term disability | STANDARD INSURANCE COMPANY | 75 | $17K |
| Other | STANDARD INSURANCE COMPANY | 503 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.