| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 66 ROUTE 17 NORTH PARAMUS, NJ 10601 | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | — | $51K | $51K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 66 ROUTE 17 NORTH PARAMUS, NJ 10601 | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | — | $5K | $5K | 2.91% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 921865638 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 7.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE #401 BOSTON, MA 02199 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 7.30% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $37 | $37 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $982 | — | $982 | 6.32% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 337 | $2.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 373 | $162K |
| Vision | VISION SERVICE PLAN | 128 | $16K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 252 | $168K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 252 | $150K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 252 | $150K |
| Other(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 252 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.