| 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 | $438 | $51K | $52K | 2.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997671 | AMERITAS LIFE INSURANCE CORP | $5K | $0 | $5K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 17.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $7K | 25.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 35.00% |
| PATTEN, BRIAN3 | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 35.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 32.50% |
| PATTEN, BRIAN3 | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 32.50% |
| SHUSTER, STEVEN3 | CO BREWSTER SHUSTER ASSOCIATES 909 N MAIN ST STE 300 PROVIDENCE, RI 02904 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $952 | $0 | $952 | 6.16% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $772 | $117 | $889 | 5.76% |
| MARSH & MCLENNAN AGENCY LLC3 | THE PROTECTOR GROUP INS AGENCY 100 FRONT STREET STE 800 WORCESTER, MA 01608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $129 | $0 | $129 | 0.84% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 321 | $2.3M |
| Dental | AMERITAS LIFE INSURANCE CORP | 200 | $52K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 321 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 305 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $22K |
| Other(6 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 305 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.