| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 6802 PARAGON PLACE, STE. 200 RICHMOND, VA 23230 | HORIZON HEALTHCARE SERVICES, INC. | $97K | — | $97K | 2.31% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | $25K | $25K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 | 6802 PARAGON PLACE, STE. 200 RICHMOND, VA 23230 | HORIZON HEALTHCARE SERVICES, INC. | $6K | — | $6K | 2.31% |
| HILB GROUP OF NEW ENGLAND3 | 6802 PARAGON PLACE, STE. 200 RICHMOND, VA 23230 | HORIZON HEALTHCARE SERVICES, INC. | $6K | — | $6K | 3.16% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | PO BOX 466 FARMINGTON, CT 06034 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| HILB GROUP OF NEW ENGLAND3 | 30 BATTERSON PARK RD., STE. 100 FARMINGTON, CT 06032 | AMERITAS LIFE INSURANCE CORP. | $4K | $410 | $4K | 11.04% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | PO BOX 466 FARMINGTON, CT 06034 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| LIDAC EMPLOYEE BENEFIT SOLUTIONS3 | 1010 NORTHERN BLVD. #324 GREAT NECK, NY 11021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $788 | $788 | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | PO BOX 466 FARMINGTON, CT 06034 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $783 | — | $783 | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | PO BOX 466 FARMINGTON, CT 06034 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $670 | — | $670 | 5.00% |
| HILB GROUP OF NEW ENGLAND3 | 6802 PARAGON PLACE, STE. 200 RICHMOND, VA 23230 | HORIZON HEALTHCARE DENTAL, INC. | $369 | — | $369 | 3.16% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | PO BOX 466 FARMINGTON, CT 06034 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $522 | — | $522 | 8.82% |
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 | 498 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 295 | $4.7M |
| Dental(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 241 | $240K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 600 | $39K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 498 | $100K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 21 | $16K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 296 | $265K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 498 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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."
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.