| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | HORIZON HEALTHCARE SERVICES, INC. | $111K | — | $111K | 2.19% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | HORIZON HEALTHCARE SERVICES, INC. | $7K | — | $7K | 2.31% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | HORIZON HEALTHCARE SERVICES, INC. | $7K | — | $7K | 2.91% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $9K | $23K | 25.56% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $420 | $2K | 6.61% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 4.95% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $802 | $2K | $2K | 15.45% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | HORIZON HEALTHCARE DENTAL, INC. | $417 | — | $417 | 2.91% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $281 | $3K | 22.06% |
| LIDAC EMPLOYEE BENEFIT SOLUTIONS3 | 1010 NORTHERN BLVD. #324 GREAT NECK, NY 11021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $598 | $598 | 4.93% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $806 | $619 | $1K | 23.20% |
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 | 585 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 310 | $5.1M |
| Dental(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 242 | $275K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 602 | $40K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 585 | $95K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 29 | $16K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 310 | $324K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 585 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
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."
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.