| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $84K | $84K | 1.76% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | PO BOX 632886 CINCINNATI, OH 45263 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $17K | $17K | 0.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | $0 | $34K | 13.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 7.29% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | PO BOX 632886 CINCINNATI, OH 45263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | DELTA DENTAL OF RHODE ISLAND | $5K | $0 | $5K | 3.84% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | PO BOX 632886 CINCINNATI, OH 45263 | DELTA DENTAL OF RHODE ISLAND | $1K | $0 | $1K | 0.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $9K | $9K | 6.95% |
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 | 592 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 472 | $5.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF RHODE ISLAND | 615 | $261K |
| Vision(2 contracts, 2 carriers) | DELTA DENTAL OF RHODE ISLAND | 615 | $261K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 592 | $253K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 592 | $253K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 592 | $253K |
| Prescription drug | TRIPLE S SALUD, INC. | 64 | $338K |
| Other(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 592 | $592K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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."
No prospect flags tripped on this filing.