| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEMBERS INSURANCE ADVISORS LLC3 Filed as: MEMBERS INSURANCE AGENCY LLC | 845 DONALD LYNCH BLVD. MARLBORO, MA 01752 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $2K | $8K | $10K | 1.15% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $3K | $3K | 0.33% |
| MEMBERS INSURANCE ADVISORS LLC3 Filed as: MEMBERS INSURANCE AGENCY LLC | 845 DONALD LYNCH BLVD. MARLBORO, MA 01752 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $758 | — | $758 | 0.93% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC. | 60 CATAMORE BLVD. EAST PROVIDENCE, RI 02914 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.09% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.51% |
| MEMBERS INSURANCE ADVISORS LLC3 Filed as: MEMBERS INSURANCE AGENCY, LLC | 845 DONALD LYNCH BLVD. MARLBORO, MA 01752 | VISION SERVICE PLAN | $492 | — | $492 | 5.39% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $215 | — | $215 | 2.36% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 160 | $896K |
| Dental | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 196 | $82K |
| Vision | VISION SERVICE PLAN | 64 | $9K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 116 | $41K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 116 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.