| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 66 ROUTE 17 NORTH PARAMUS, NJ 00000 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $47K | $47K | 1.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 PLAZA 2 250 PEHLE W. STE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF RHODE ISLAND | $2K | $0 | $2K | 3.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $4K | 17.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $750 | $2K | 21.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $515 | $389 | $904 | 8.79% |
| PATTEN, BRIAN3 | 121 BUCKTHORN RD BADEN, PA 15005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $515 | $0 | $515 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $291 | $294 | $585 | 10.04% |
| PATTEN, BRIAN3 | 121 BUCKTHORN RD BADEN, PA 15005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $291 | — | $291 | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 PLAZA 2 250 PEHLE W. STE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF RHODE ISLAND | $531 | $0 | $531 | 9.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $723 | $201 | $924 | 19.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $154 | — | $154 | 15.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 PLAZA 2 250 PEHLE W. STE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF RHODE ISLAND | $14 | $0 | $14 | 3.59% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 250 | $2.5M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 114 | $46K |
| Vision | DELTA DENTAL OF RHODE ISLAND | 92 | $5K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $24K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9 | $16K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.