| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE BENEFITS LLC3 Filed as: THE CORNERSTONE GROUP | 931 JEFFERSON BLVD. STE 3001 WARWICK, RI 028862233 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $188 | — | $188 | 0.03% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | 931 JEFFERSON BLVD STE 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 3.98% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | 931 JEFFERSON BLVD, STE 3001 WARWICK, RI 02886 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $1K | $7K | 10.59% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 10 WYNSHIRE LANE RED LION, PA 17356 | SUN LIFE ASSURANCE COMPANY OF CANADA | $142 | — | $142 | 0.21% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP INC | 931 JEFFERSON BLVD STE 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $544 | — | $544 | 9.25% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 130 | $702K |
| Dental | DELTA DENTAL OF RHODE ISLAND | 151 | $71K |
| Vision | VISION SERVICE PLAN | 53 | $6K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 98 | $66K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 98 | $66K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 98 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.