| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARADIGM BENEFITS GROUP INC3 | 398 COUNTY STREET NEW BEDFORD, MA 02740 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $2K | — | $2K | 0.18% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA & COMPANY INS AGNCY, INC | 500 FAUNCE CORNER BLDG 100 STE 120 DARTMOUTH, MA 02747 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $2K | — | $2K | 0.16% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA & COMPANY | 500 FAUNCE CORNER BLDG 100 STE 120 DARTMOUTH, MA 02747 | DELTA DENTAL OF RHODE ISLAND | $4K | — | $4K | 2.80% |
| BENEMAX, INC.3 | 7 WEST MILL STREET MEDFIELD, MA 02052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.31% |
| GREGORY TROY3 | 376 NEWPORT AVENUE EAST PROVIDENCE, RI 02916 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.66% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA & COMPANY INSURANCE | 500 FAUNCE CORNER RD STE 120 DARTMOUTH, MA 02747 | VISION SERVICE PLAN | $1K | — | $1K | 5.82% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA & COMPANY | 500 FAUNCE CORNER BLD 100 STE 120 DARTMOUTH, MA 02747 | DELTA DENTAL OF RHODE ISLAND | $295 | — | $295 | 2.98% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA & COMPANY | 500 FAUNCE CORNER BLD 100 STE 120 DARTMOUTH, MA 02747 | DELTA DENTAL OF RHODE ISLAND | $22 | — | $22 | 3.13% |
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 | 191 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 435 | $986K |
| Dental(3 contracts) | DELTA DENTAL OF RHODE ISLAND | 450 | $170K |
| Vision | VISION SERVICE PLAN | 113 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $60K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $81K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $81K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.