| 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 | $0 | $85K | $85K | 2.28% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $59K | $59K | 1.57% |
| 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% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP, INC. | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 8.44% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP, INC. | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $589 | — | $589 | 3.68% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT ADVISORS, INC. | 1300 DIVISION ROAD, STE. 203 WEST WARWICK, RI 02893 | VISION SERVICE PLAN | $376 | — | $376 | 2.35% |
| 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 | $979 | — | $979 | 10.30% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP, INC. | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $176 | — | $176 | 1.85% |
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 | 346 | 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) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 290 | $3.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF RHODE ISLAND | 415 | $214K |
| Vision | VISION SERVICE PLAN | 104 | $16K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 346 | $41K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 29 | $32K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 346 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.