| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE BENEFITS LLC3 Filed as: THE CORNERSTONE GROUP | 931 JEFFERSON BLVD STE 3001 WARWICK, RI 02886 | UNITED HEALTHCARE INSURANCE COMPANY | — | $108K | $108K | 3.45% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT ADVISORS, INC | 1300 DIVISION RD STE 203 WEST WARWICK, RI 02893 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $25K | — | $25K | 3.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD STE 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $5K | — | $5K | 2.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 655 N FRANKLIN ST STE 1900 TAMPA, FL 33607 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 8.33% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP, INC | 931 JEFFERSON BLVD STE 3001 WARWICK, RI 02886 | UNION SECURITY INSURANCE COMPANY | $535 | — | $535 | 1.20% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP, INC. | 931 JEFFERSON BLVD STE 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $400 | — | $400 | 2.79% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT ADVISORS INC | 1300 DIVISION RD STE 203 WEST WARWICK, RI 02893 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.14% |
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 | 350 | 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) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 700 | $3.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF RHODE ISLAND | 421 | $227K |
| Vision | VISION SERVICE PLAN | 95 | $14K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 350 | $54K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 28 | $45K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 350 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 700 | — |
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."
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.