Embrace Home Loans, Inc.benefits

Embrace Home Loans, Inc. Welfare Wrap Benefit Plan · MIDDLETOWN, RI · plan year 2025

Broker compensation reported · 2025

$170,349

Embrace Home Loans, Inc.'s benefits plans covered 342 active participants in 2025, providing health · life · dental · vision · short-term disability · long-term disability. Insurance brokers and agents were paid $170,349 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That is $498 per covered person, in the top quarter of employer plans that report broker pay. Broker pay rose 34% from $126,877 in 2024.

Insurance contracts · 202516
LIFE INSURANCE COMPANY OF NORTH AMERICApremiums n/a · 310 covered
LIFE INSURANCE COMPANY OF NORTH AMERICA · ltdpremiums n/a · 309 covered
LIFE INSURANCE COMPANY OF NORTH AMERICA · lifepremiums n/a · 691 covered
LIFE INSURANCE COMPANY OF NORTH AMERICA · stdpremiums n/a · 85 covered
DELTA DENTAL OF RHODE ISLAND · dentalpremiums n/a · 72 covered
LIFE INSURANCE COMPANY OF NORTH AMERICA · lifepremiums n/a · 304 covered
DELTA DENTAL OF RHODE ISLAND · visionpremiums n/a · 474 covered
METROPOLITAN LIFE INSURANCE COMPANY · visionpremiums n/a · 65 covered
LIFE INSURANCE COMPANY OF NORTH AMERICApremiums n/a · 112 covered
LIFE INSURANCE COMPANY OF NORTH AMERICApremiums n/a · 71 covered
BOSTON MUTUAL LIFE INSURANCE COMPANY · life std ltdpremiums n/a · 56 covered
LIFE INSURANCE COMPANY OF NORTH AMERICApremiums n/a · 94 covered
DELTA DENTAL OF RHODE ISLAND · dentalpremiums n/a · 625 covered
AETNA LIFE INSURANCE COMPANY · healthpremiums n/a · 631 covered
BOSTON MUTUAL LIFE INSURANCE COMPANY · lifepremiums n/a · 20 covered
ALL SAVERSS INSURANCE COMPANYpremiums n/a · 34 covered

Brokers & agents paid · 20257

THE HILB GROUP OF NEW ENGLAND LLC$57,933 · incl $10,003 fees

UNITED HEALTHCARE SERVICES, INC.$8,147 · incl $8,147 fees

ROLAND D FLORENZ$37,037

ROLAND FLORENZ$41,668 · incl $27,110 fees

JAMES R NELLIGAN & ASSOC$25,137 · incl $23,944 fees

THE ENROLLMENT GROUP$323

2 individual agents · names withheld$104

Individual agents paid under $1,000 on this filing are shown as a total. The amounts are as filed; only the personal names are withheld.

Also brokered by The Hilb Group of New England LLC5
Invoicecloud MA$51,079
The Preservation Society of Newport County RI$33,852
Cai Software LLC RI$33,204
The Angell Pension Group, Inc. RI$8,483
Ora Inc. MA$4,529

Why are you looking at this plan?

Embrace Home Loans, Inc.'s retirement plan: fees & contributions

How these broker payments compare nationally

Employer health plans in Rhode Island

Source: DOL Form 5500 Schedule A, plan year 2025, EIN 050402708 · Verify on EFAST2 · Amounts are as reported by the plan sponsor.