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Sponsor portfolioWelfare / HealthEIN 05-0402708
EMBRACE HOME LOANS, INC.
25 ENTERPRISE CENTER · MIDDLETOWN, RI 02842
4018463100
- Plans filed
- 1
- Years active
- 2015–2025
- Industry
- NAICS 56
- Latest filing
- 2025
Total premiums (latest)
$5.4M
No prior year
Persons covered
691
No prior year
Total participants
344
No prior year
Plans filed
1
No prior year
Plans under this sponsor
1 plan
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Health | $4.7M | 84.4% | |
| Other | $496K | 8.9% | |
| Life | $159K | 2.8% | |
| Short-term disability | $71K | 1.3% | |
| Long-term disability | $71K | 1.3% | |
| Vision | $46K | 0.8% | |
| Dental | $31K | 0.6% |
Carrier overview
6 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 066033492 | H | $4.7M | 88.1% | 1 | 1 | 631 |
EIN 231503749 | LSTDLTDOth | $318K | 5.9% | 1 | 8 | 691 |
EIN 351665915 | Oth | $213K | 4.0% | 1 | 1 | 34 |
EIN 050296998 | DV | $71K | 1.3% | 1 | 3 | 625 |
EIN 041106240 | LSTDLTDOth | $26K | 0.5% | 1 | 2 | 56 |
EIN 135581829 | V | $7K | 0.1% | 1 | 1 | 65 |
Broker overview
8 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND | CRANSTON, RI | AETNA LIFE INSURANCE COMPANY, ALL SAVERSS INSURANCE COMPANY | $48K | $10K | $58K | 34.0% | 1 |
| ROLAND FLORENZ | EAST GREENWICH, RI | AETNA LIFE INSURANCE COMPANY, METROPOLITAN LIFE INSURANCE COMPANY, LIFE INSURANCE COMPANY OF NORTH AMERICA, DELTA DENTAL OF RHODE ISLAND, BOSTON MUTUAL LIFE INSURANCE COMPANY | $15K | $27K | $42K | 24.5% | 1 |
| ROLAND D FLORENZ | EAST GREENWICH, RI | LIFE INSURANCE COMPANY OF NORTH AMERICA, BOSTON MUTUAL LIFE INSURANCE COMPANY | $37K | $0 | $37K | 21.7% | 1 |
| JAMES R NELLIGAN & ASSOCIATES LLC | WALL, NJ | LIFE INSURANCE COMPANY OF NORTH AMERICA, DELTA DENTAL OF RHODE ISLAND | $1K | $24K | $25K | 14.8% | 1 |
| UMR, INC. | DE PERE, WI | ALL SAVERSS INSURANCE COMPANY | $0 | $8K | $8K | 4.8% | 1 |
| ENROLLMENT ADVISORS INC | EAST GREENWICH, RI | BOSTON MUTUAL LIFE INSURANCE COMPANY | $323 | $0 | $323 | 0.2% | 1 |
| THOMAS HANNON | SUTTON, MA | BOSTON MUTUAL LIFE INSURANCE COMPANY | $62 | $0 | $62 | 0.0% | 1 |
| KEVIN MURPHY | WEST BARNSTABLE, MA | BOSTON MUTUAL LIFE INSURANCE COMPANY | $42 | $0 | $42 | 0.0% | 1 |
History & trajectory
11 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan